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AU Vetta Credit Card VS HDFC Bank Regalia Gold Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

Both AU Vetta Credit Card and HDFC Bank Regalia Gold Credit Card suit shopping-focused spenders, but they earn and cost differently. AU Vetta Credit Card costs ₹2,999 + GST and earns 4 Reward Points per ₹100 on grocery & departmental stores, 2 RPs on other retail spends. HDFC Bank Regalia Gold Credit Card costs ₹2,500 + GST and earns 4 RPs on ₹150 retail spend; 20 RPs on ₹150 at Nykaa, Reliance Digital, Myntra, M&S. AU Vetta Credit Card also brings 1 complimentary domestic airport lounge access per quarter on spends of ₹20,000, while HDFC Bank Regalia Gold Credit Card counters with 12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards. If shopping spending matters more, go with AU Vetta Credit Card; if travel is the priority, HDFC Bank Regalia Gold Credit Card fits better.

AU Vetta Credit Card
AU Vetta Credit Card
HDFC Bank Regalia Gold Credit Card
HDFC Bank Regalia Gold Credit Card

Fees & Charges

Joining Fee₹2,999 + GST
Joining Fee₹2,500 + GST
Renewal Fee₹2,999 + GST
Renewal Fee₹2,500 + GST
Spend Based WaiverJoining fee waived on ₹40,000 spend in 90 days. Annual fee waived on ₹1.5 lakh spend in preceding year.
Spend Based WaiverRenewal Fee waived upon spending ₹4 Lakhs in an anniversary year (12 billing cycles).
Foreign Transaction Fees2.99% of the transaction amount.
Foreign Transaction Fees2% + GST applies on all international foreign currency transactions.
Interest Rate (APR)2.99% per month (35.88% per annum) on revolving credit.
Interest Rate (APR)Revolving credit interest rate is 3.75% per month, equating to 45% annually.

Rewards & Benefits

Welcome Bonus
Welcome Bonus₹2,500 gift voucher. Complimentary Swiggy One and MMTBLACK Gold Membership on ₹1 Lakh spend in 90 days.
Rewards RateEarn 4 RP per ₹100 on groceries & departmental stores, 2 RP per ₹100 on other retail, 1 RP per ₹100 on utilities.
Rewards RateEarn 4 RPs on ₹150 retail spend; 20 RPs on ₹150 at Nykaa, Reliance Digital, Myntra, M&S.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST per redemption transaction.
Reward Redemption Fee₹99 + GST is charged per redemption of reward points.

Travel & Lifestyle

Domestic Lounge AccessOne complimentary domestic airport lounge access per quarter on ₹20,000 spends in a calendar quarter.
Domestic Lounge Access12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards.
International Lounge AccessOne complimentary international airport lounge access per quarter with Priority Pass membership (on request).
International Lounge Access6 complimentary international lounge visits per year via Priority Pass for primary & add-on members.
Travel BenefitsComplimentary domestic & international lounge access, IRCTC lounge access, and 24x7 concierge for travel bookings.
Travel BenefitsOffers extensive travel perks including flight vouchers, discounts, and complimentary lounge access.
Movie Benefits
Movie BenefitsNot Applicable
Dining BenefitsAccess 24x7 global concierge service for assistance with dining reservations and experiences.
Dining BenefitsFLAT 10% EXTRA OFF at 35,000+ restaurants. Get ₹200 Off on Swiggy Dineout twice monthly.
Golf BenefitsAccess 24x7 global concierge service for assistance with golf sessions and bookings.
Golf BenefitsNot Applicable
Fuel Surcharge Waiver1% waiver on fuel transactions between ₹400-₹5,000, capped at ₹250 per month.
Fuel Surcharge WaiverNot Applicable for fuel transactions with this HDFC Bank Regalia Gold Credit Card.

Security & Other

Insurance BenefitsComprehensive cover: Air Accident (₹50L), Credit Shield (₹2L), Purchase Protection (₹25K), and travel-related covers.
Insurance Benefits₹1 Cr air death cover, ₹15 Lakhs overseas hospitalization, ₹9 Lakhs credit liability cover.
Cash Advance Charges2.5% of withdrawn amount or ₹500, whichever is higher.
Cash Advance ChargesEither 2.5% of amount or ₹500, whichever of these two values is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Vetta Credit Card

HDFC Bank Regalia Gold Credit Card

Who is it for?

The AU Vetta Credit Card is a mid-level lifestyle credit card from AU Bank, offering a balanced reward structure with accelerated points on groceries and departmental stores. It stands out with valuable benefits such as complimentary domestic and international airport lounge access, railway lounge access, and a dedicated concierge service. Cardholders also benefit from comprehensive insurance coverage and attractive milestone rewards, making it ideal for those seeking premium perks and good returns on everyday spending.

Who is it for?

The HDFC Bank Regalia Gold Credit Card is a premium lifestyle card designed for high-spenders, offering exclusive travel and shopping benefits. It provides strong reward rates, complimentary lounge access, and valuable milestone rewards, making it ideal for maximizing value on significant expenses. This card offers a comprehensive suite of features for a discerning clientele.

Pros

Key benefits and features.

High reward rate of 4X points on grocery and departmental store purchases, maximizing savings.

Enjoy complimentary domestic and international airport lounge access, enhancing travel comfort.

Benefit from comprehensive insurance coverage, including air accident and purchase protection.

Access a dedicated 24x7 global concierge service for travel, dining, and golf assistance.

Attractive milestone benefits reward consistent spending with bonus points and brand vouchers.

Pros

Key benefits and features.

Access to exclusive 24/7 concierge service for all travel and lifestyle assistance needs.

Generous lounge access with 12 domestic and 6 international visits annually for cardholders.

Strong reward rates, including 5X accelerated points on preferred partner brands like Nykaa.

Flexible redemption options for flights, hotels, vouchers, airmiles, and even cashback.

Comprehensive insurance benefits covering air death, overseas hospitalization, and credit cover.

Cons

Key drawbacks and limitations.

Reward points are not earned on essential categories like fuel, rent, education, and government spends.

Complimentary lounge access is conditional on achieving specific quarterly spending thresholds.

A redemption fee of ₹99 + GST is applicable for every reward point redemption transaction.

The foreign currency markup of 2.99% is standard and not competitive for international use.

High interest rate of 2.99% per month on revolving credit can be a significant drawback.

Cons

Key drawbacks and limitations.

A redemption fee of ₹99 + GST is applicable on all reward point redemptions made.

The annual renewal fee waiver requires a relatively high annual spend of ₹4 Lakhs.

Reward point accrual has maximum caps on grocery and insurance transactions monthly.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for AU Vetta Credit Card(opens in new tab)Apply for HDFC Bank Regalia Gold Credit Card(opens in new tab)