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AU Zenith+ 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 Zenith+ Credit Card and HDFC Bank Regalia Gold Credit Card suit travel-focused spenders, but they earn and cost differently. AU Zenith+ Credit Card costs ₹4,999 + GST and earns 2 RP per ₹100 on travel, dining, international; 1 RP per ₹100 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 Zenith+ Credit Card also brings 16 complimentary Domestic Airport Lounge accesses annually (max 4 per calendar quarter), 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. Weigh the fee against the reward rate above to see which fits your spending pattern better.

AU Zenith+ Credit Card
AU Zenith+ Credit Card
HDFC Bank Regalia Gold Credit Card
HDFC Bank Regalia Gold Credit Card

Fees & Charges

Joining Fee₹4,999 + GST
Joining Fee₹2,500 + GST
Renewal Fee₹4,999 + GST
Renewal Fee₹2,500 + GST
Spend Based WaiverAnnual Charges are waived on spending ₹8 Lakh or more in the card anniversary year.
Spend Based WaiverRenewal Fee waived upon spending ₹4 Lakhs in an anniversary year (12 billing cycles).
Foreign Transaction Fees0.99% of the transaction amount.
Foreign Transaction Fees2% + GST applies on all international foreign currency transactions.
Interest Rate (APR)1.99% Per Month or 23.88% Per Annum.
Interest Rate (APR)Revolving credit interest rate is 3.75% per month, equating to 45% annually.

Rewards & Benefits

Welcome BonusLuxury Gift Vouchers worth ₹5,000 from brands like Taj Hotels, Tata Cliq, or Michael Kors, or 5,000 Reward Points.
Welcome Bonus₹2,500 gift voucher. Complimentary Swiggy One and MMTBLACK Gold Membership on ₹1 Lakh spend in 90 days.
Rewards RateEarn 2 Reward Points per ₹100 spent on Dining, Travel, and International Transactions; 1 Reward Point per ₹100 on others.
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
Reward Redemption Fee₹99 + GST is charged per redemption of reward points.

Travel & Lifestyle

Domestic Lounge Access16 complimentary domestic lounge access per annum (maximum 4 per quarter).
Domestic Lounge Access12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards.
International Lounge Access16 complimentary international lounge access annually with Priority Pass (max 4/quarter).
International Lounge Access6 complimentary international lounge visits per year via Priority Pass for primary & add-on members.
Travel Benefits4 Complimentary Airport Meet & Assist Concierge Services Annually. Taj Epicure Membership on spending ₹12 Lakhs.
Travel BenefitsOffers extensive travel perks including flight vouchers, discounts, and complimentary lounge access.
Movie Benefits16 Complimentary Buy-One-Get-One Movie or Event Tickets Annually on BookMyShow (maximum 4 per quarter).
Movie BenefitsNot Applicable
Dining BenefitsEarn 2 Reward Points per ₹100 spent on Dining. 25% off on Food and beverages with Taj Epicure Membership.
Dining BenefitsFLAT 10% EXTRA OFF at 35,000+ restaurants. Get ₹200 Off on Swiggy Dineout twice monthly.
Golf BenefitsUp to 8 Complimentary Golf Games or Lessons Annually (2 per calendar quarter).
Golf BenefitsNot Applicable
Fuel Surcharge Waiver1% fuel surcharge waiver up to ₹1,000 per statement cycle.
Fuel Surcharge WaiverNot Applicable for fuel transactions with this HDFC Bank Regalia Gold Credit Card.

Security & Other

Insurance BenefitsAir Accident Cover – Up to ₹2 Crore, Card Liability Cover – Up to ₹15 Lakhs, Credit Shield – Up to ₹15 Lakhs, Purchase Protection – Up to ₹50,000.
Insurance Benefits₹1 Cr air death cover, ₹15 Lakhs overseas hospitalization, ₹9 Lakhs credit liability cover.
Cash Advance ChargesNone.
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 Zenith+ Credit Card

HDFC Bank Regalia Gold Credit Card

Who is it for?

The AU Zenith+ Metal Credit Card is AU Small Finance Bank’s most luxurious offering, specifically designed for individuals who frequently travel and engage in high credit card spending. It distinguishes itself with a choice of ₹5,000 luxury gift vouchers or Reward Points as a welcome benefit, a competitive 0.99% forex markup fee, and extensive travel perks including 16 complimentary domestic and international lounge accesses. The card also provides valuable lifestyle benefits such as golf rounds and Buy-One-Get-One movie tickets.

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.

Enjoy a very low foreign currency markup of just 0.99% on all international transactions.

Extensive travel benefits with 16 complimentary domestic and 16 international lounge accesses.

Generous welcome benefits offering luxury gift vouchers worth ₹5,000 or 5,000 Reward Points.

Valuable lifestyle perks include 16 BOGO movie tickets and 8 complimentary golf rounds annually.

Milestone benefits like Taj Epicure Membership and bonus Reward Points enhance value.

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.

The annual fee of ₹4,999 + GST is relatively high, despite the spend-based waiver.

Reward points are not earned on essential categories like fuel, cash advances, and EMI spends.

A rewards redemption fee of ₹99 + GST is charged for each redemption transaction.

Quarterly caps on lounge access and movie tickets might limit usage for some users.

Some benefits of the AU Zenith+ Credit Card have experienced devaluations over time.

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 Zenith+ Credit Card(opens in new tab)Apply for HDFC Bank Regalia Gold Credit Card(opens in new tab)