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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.

Features

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
₹2,500 + GST
Renewal Fee
₹4,999 + GST
₹2,500 + GST
Spend Based Waiver
Renewal fee waived on ₹8 Lakhs net retail spends in the previous card anniversary year.
Renewal Fee waived upon spending ₹4 Lakhs in an anniversary year (12 billing cycles).
Foreign Transaction Fees
Low 0.99% cross-currency foreign markup fee on all international transactions.
2% + GST applies on all international foreign currency transactions.
Interest Rate (APR)
1.99% per month or 23.88% per annum.
Revolving credit interest rate is 3.75% per month, equating to 45% annually.

Rewards & Benefits

Welcome Bonus
Choose between Luxury Brand Vouchers or Reward Points worth ₹5,000 upon card activation.
₹2,500 gift voucher. Complimentary Swiggy One and MMTBLACK Gold Membership on ₹1 Lakh spend in 90 days.
Rewards Rate
Earn 2 RP per ₹100 on travel, dining, international; 1 RP per ₹100 on other retail spends.
Earn 4 RPs on ₹150 retail spend; 20 RPs on ₹150 at Nykaa, Reliance Digital, Myntra, M&S.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST.
₹99 + GST is charged per redemption of reward points.

Travel & Lifestyle

Domestic Lounge Access
16 complimentary Domestic Airport Lounge accesses annually (max 4 per calendar quarter).
12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards.
International Lounge Access
16 complimentary International Airport Lounge accesses annually via Priority Pass (max 4 per quarter).
6 complimentary international lounge visits per year via Priority Pass for primary & add-on members.
Travel Benefits
4 complimentary airport Meet & Assist services. Exclusive luxury stay offers with ITC Hotels & Elivaas.
Offers extensive travel perks including flight vouchers, discounts, and complimentary lounge access.
Movie Benefits
Up to 16 complimentary BOGO movie/event tickets from BookMyShow annually (max 4 per quarter).
Not Applicable
Dining Benefits
Up to 30% discount via Silver Spoon dining program & 25% off F&B with Taj Epicure Membership.
FLAT 10% EXTRA OFF at 35,000+ restaurants. Get ₹200 Off on Swiggy Dineout twice monthly.
Golf Benefits
8 complimentary golf games/lessons annually (up to 2 per calendar quarter).
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge waiver up to ₹1,000 per statement cycle on transactions ₹400-₹5000.
Not Applicable for fuel transactions with this HDFC Bank Regalia Gold Credit Card.

Security & Other

Insurance Benefits
Air Accident Cover (₹2 Cr), Card Liability (₹15 Lakh), Credit Shield (₹15 Lakh), Purchase Protection (₹50k).
₹1 Cr air death cover, ₹15 Lakhs overseas hospitalization, ₹9 Lakhs credit liability cover.
Cash Advance Charges
2.5% of transaction amount or minimum ₹100.
Either 2.5% of amount or ₹500, whichever of these two values is higher.
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 a premium offering for individuals seeking exclusive lifestyle privileges and tailored rewards. It's ideal for frequent travelers and high spenders, blending opulent benefits with a robust reward structure. Enjoy substantial welcome benefits, accelerated rewards on travel & dining, extensive lounge access, and comprehensive insurance. This card stands out for its luxury experience and value.

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.

Offers a comprehensive suite of premium features and exclusive privileges across categories.

Generous welcome benefits of luxury brand vouchers or reward points worth ₹5,000.

Accelerated reward earnings on travel, dining, and international transactions provide great value.

Extensive travel benefits including lounge access, Meet & Assist, and low 0.99% forex markup.

Valuable milestone benefits like Taj Epicure Membership and bonus points on monthly spends.

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.

Renewal benefits, including 5,000 bonus RP, will be discontinued from Nov 17, 2025.

International lounge access with Priority Pass is chargeable for domestic use within India.

Several important merchant categories like utilities and insurance are not eligible for reward points.

High monthly net income requirement of ₹2.5 Lakhs might limit accessibility for some users.

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.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.