Radiative decays of charm mesons, such as \( D \to V\gamma \), are a unique window into flavour physics. In the Standard Model (SM) these processes are strongly suppressed, making them difficult to predict yet highly sensitive to new physics. Previous theoretical approaches introduced arbitrary regulators to control divergent loop contributions, leaving uncertainties hard to interpret. In this work, we propose a regulator-free framework based on SU(3) amplitude relations and vector meson dominance (VMD). Earlier loop models introduced phenomenological cutoffs to regularize divergent integrals, leading to uncontrolled uncertainties. Our approach eliminates this by expressing all \( D^0 \to V\gamma \) amplitudes through SU(3)-related topologies and experimentally determined VMD couplings, providing correlated and regulator-independent predictions within the Standard Model. We predict \( \mathcal{B}(D^0 \to \phi\gamma) = (2.3 - 3.1)\times10^{-5} \), \( \mathcal{B}(D^0 \to \omega\gamma) = (0.56 - 0.66)\times10^{-5} \), and \( \mathcal{B}(D^0 \to \bar{K}^{*0}\gamma) = (3.3 - 3.7)\times10^{-4} \). The framework further constrains direct \( CP \) asymmetries to \( \mathcal{O}(10^{-3}) \) within the Standard Model. These results provide a regulator-free Standard Model prediction for radiative charm decays, for probing new physics.