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CheQ AU 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: 13 July 2026

Both CheQ AU Credit Card and HDFC Bank Regalia Gold Credit Card suit different spenders, but they earn and cost differently. CheQ AU Credit Card is lifetime-free and earns up to 12 percent on select brands; 5 percent on other online spends; 2.5 percent on CheQ UPI; 1 percent on all other transactions. HDFC Bank Regalia Gold Credit Card costs Rs 2,500 + GST and earns 4 Reward Points per Rs 150 with 12 domestic and 6 international lounge visits and Milestone benefits. CheQ AU Credit Card also brings Indias first LED card with dual Visa + RuPay issuance, while HDFC Bank Regalia Gold Credit Card counters with its own niche benefits. Compare the fee and reward differences above against your priority spend category - shopping, dining, fuel, or travel - to pick the right fit.

CheQ AU Credit Card
CheQ AU Credit Card
HDFC Bank Regalia Gold Credit Card
HDFC Bank Regalia Gold Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining Fee₹2,500 + GST
Renewal FeeLifetime Free
Renewal Fee₹2,500 + GST
Spend Based Waiver
Spend Based WaiverRenewal Fee waived upon spending ₹4 Lakhs in an anniversary year (12 billing cycles).
Foreign Transaction Fees3.49% on all foreign currency transactions.
Foreign Transaction Fees2% + GST applies on all international foreign currency transactions.
Interest Rate (APR)3.75% per month (45% per annum) on revolving credit and cash advances.
Interest Rate (APR)Revolving credit interest rate is 3.75% per month, equating to 45% annually.

Rewards & Benefits

Welcome BonusThe card is marketed as Lifetime FREE, meaning no joining fee and no annual fee for the standard variant. An optional upgrade to the LED Credit Card incurs a one-time issuance fee of ₹999 + GST
Welcome Bonus₹2,500 gift voucher. Complimentary Swiggy One and MMTBLACK Gold Membership on ₹1 Lakh spend in 90 days.
Rewards RateUp to 12% on select brands; 5% on other online spends; 2.5% on CheQ UPI; 1% on all other transactions.
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 FeeNo rewards redemption fee.
Reward Redemption Fee₹99 + GST is charged per redemption of reward points.

Travel & Lifestyle

Domestic Lounge AccessNot available on the CheQ AU Credit Card.
Domestic Lounge Access12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards.
International Lounge AccessNot available on the CheQ AU Credit Card.
International Lounge Access6 complimentary international lounge visits per year via Priority Pass for primary & add-on members.
Travel BenefitsEarn 12% rewards on CheQ Travel (flights & hotels) and 5% on other travel spends. Redeem points for flights/hotels.
Travel BenefitsOffers extensive travel perks including flight vouchers, discounts, and complimentary lounge access.
Movie Benefits
Movie BenefitsNot Applicable
Dining Benefits
Dining BenefitsFLAT 10% EXTRA OFF at 35,000+ restaurants. Get ₹200 Off on Swiggy Dineout twice monthly.
Golf Benefits
Golf BenefitsNot Applicable
Fuel Surcharge Waiver1% fuel surcharge waiver up to ₹150 on fuel spends.
Fuel Surcharge WaiverNot Applicable for fuel transactions with this HDFC Bank Regalia Gold Credit Card.

Security & Other

Insurance Benefits
Insurance Benefits₹1 Cr air death cover, ₹15 Lakhs overseas hospitalization, ₹9 Lakhs credit liability cover.
Cash Advance Charges2.5% of the 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.

CheQ AU Credit Card

HDFC Bank Regalia Gold Credit Card

Who is it for?

The CheQ AU Credit Card is India’s first LED-enabled credit card, offering a unique visual experience and strong rewards. It provides up to 12% rewards on popular brands, 2.5% on CheQ UPI, and 1% on other spends. Marketed as lifetime free for the standard variant, it also offers the convenience of two cards (Visa LED and RuPay) with a single application. This card is ideal for those seeking high reward rates, unique features, and convenient digital banking for everyday online shopping, food delivery, travel, and utility payments.

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.

India's first LED-enabled credit card offers a unique and visually engaging payment experience.

High reward rates up to 12% on popular brands and categories like shopping, travel, and utilities.

Lifetime free for the standard variant, making it an attractive option with no annual fees.

Receive both a Visa (LED) and RuPay card with a single application, offering great versatility.

Uncapped base rewards ensure continuous earning even after reaching accelerated rewards limits.

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.

Accelerated rewards are capped at 12,000 CheQ points per month, limiting high spenders.

Rewards are not applicable on several categories like fuel, education, gold, and rent payments.

Optional LED card incurs a one-time issuance fee of ₹999 + GST, which is an additional cost.

Interest rate on revolving credit is high at 3.75% per month (45% per annum), typical of the category.

No domestic or international airport lounge access on this card.

Applications for the LED card open only from April 28, 2026, indicating a future availability.

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 CheQ AU Credit Card(opens in new tab)Apply for HDFC Bank Regalia Gold Credit Card(opens in new tab)