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HDFC Bank Freedom Credit Card VS HDFC Bank Regalia First 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: 3 July 2026

Both HDFC Bank Freedom Credit Card and HDFC Bank Regalia First Credit Card suit shopping-focused spenders, but they earn and cost differently. HDFC Bank Freedom Credit Card costs ₹500 + GST and earns 10X CashPoints on select brands (BigBasket, Swiggy, Uber, OYO, BookMyShow) & 1X on others. HDFC Bank Regalia First Credit Card costs ₹1,000 + GST and earns 4 Reward Points for every Rs. 150 spent on all retail purchases. HDFC Bank Freedom Credit Card also brings receive 500 bonus CashPoints after successfully paying the joining fee, while HDFC Bank Regalia First Credit Card counters with not Available. If dining spending matters more, go with HDFC Bank Freedom Credit Card; if travel is the priority, HDFC Bank Regalia First Credit Card fits better.

HDFC Bank Freedom Credit Card
HDFC Bank Freedom Credit Card
HDFC Bank Regalia First Credit Card
HDFC Bank Regalia First Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹1,000 + GST
Renewal Fee₹500 + GST
Renewal Fee₹1,000 + GST
Spend Based WaiverRenewal fee waived on spending ₹50,000 or more in the previous anniversary year.
Spend Based WaiverRenewal fee waived off if an amount exceeding Rs. 1 Lakh is spent in the anniversary year.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees2% on forex transactions; 3.5% for international transactions (as per FAQ).
Interest Rate (APR)3.75% monthly (45% annually); 0.99% for first 90 days from card issuance.
Interest Rate (APR)3.6% monthly (equivalent to 43.2% annually) on the overdue amount.

Rewards & Benefits

Welcome BonusReceive 500 bonus CashPoints after successfully paying the joining fee.
Welcome Bonus1,000 Reward Points on successful payment of the annual fee.
Rewards RateEarn 10X CashPoints on select brands (BigBasket, Swiggy, Uber, OYO, BookMyShow) & 1X on others.
Rewards RateEarn 4 Reward Points for every Rs. 150 spent on all retail purchases.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption FeeRs. 99

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge AccessNot Available
International Lounge Access
International Lounge AccessNot Available
Travel Benefits
Travel BenefitsReward points can be redeemed for flight and hotel bookings.
Movie BenefitsEarn 10X CashPoints on BookMyShow spends.
Movie BenefitsNot Applicable
Dining BenefitsGet 10% off up to ₹200 with Swiggy Dineout, applicable twice each month.
Dining BenefitsSpecial offers at premium restaurants with The Good Food Trail dining program across top cities.
Golf Benefits
Golf BenefitsNot Available
Fuel Surcharge Waiver1% waiver on fuel transactions (₹400-₹5,000), max ₹250 waiver per statement cycle.
Fuel Surcharge Waiver1% waiver on fuel transactions between Rs. 400 and Rs. 5,000, capped at Rs. 500/billing cycle.

Security & Other

Insurance Benefits
Insurance BenefitsAir accidental (Rs 50L), emergency overseas hospitalization (Rs 10L), credit liability (Rs 5L).
Cash Advance Charges2.50% of withdrawn amount, minimum charge of ₹500.
Cash Advance Charges2.5% of withdrawn amount, minimum Rs. 500 or Rs. 600, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank Freedom Credit Card

HDFC Bank Regalia First Credit Card

Who is it for?

The HDFC Bank Freedom Credit Card is an entry-level card ideal for first-time users and those with moderate incomes. It offers accelerated 10X CashPoints on popular everyday spending categories like BookMyShow, OYO, Uber, BigBasket, and Swiggy. With a nominal annual fee that can be waived and easy reward redemption, it's a strong contender in its segment for daily expenses.

Who is it for?

The HDFC Bank Regalia First Credit Card offers a blend of travel and lifestyle privileges. It provides significant Reward Points on retail purchases, along with dining benefits and comprehensive insurance covers. Cardholders can also benefit from milestone rewards and a renewal fee waiver based on annual spending, making it ideal for frequent travelers and shoppers seeking enhanced benefits.

Pros

Key benefits and features.

Easy redemption of CashPoints across a variety of categories.

Up to 10% off on partner restaurants via Swiggy Dineout.

Offers accelerated 10X CashPoints on popular everyday spending brands.

Low membership fee with an achievable spend-based waiver condition.

Not-so-strict eligibility criteria, making it accessible for many.

Pros

Key benefits and features.

Earn 5,000 Reward Points on annual spends of Rs. 3 Lakhs or more.

Accumulate up to 7,500 bonus Reward Points annually through milestone benefits.

Comprehensive insurance covers include air accident, hospitalization & credit liability.

Renewal fee waiver available on annual spends exceeding Rs. 1 Lakh.

Cons

Key drawbacks and limitations.

CashPoints earned on the HDFC Bank Freedom Credit Card expire after 2 years.

No benefits for travel, lounge access, golf, or insurance are offered.

Maximum CashPoints under accelerated category are capped at 2,500 monthly.

Cons

Key drawbacks and limitations.

A reward redemption fee of Rs. 99 is always applicable.

Does not provide any complimentary domestic or international lounge access.

No reward points are earned when making fuel transactions.

The foreign currency markup can be as high as 3.5%.

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 HDFC Bank Freedom Credit Card(opens in new tab)Apply for HDFC Bank Regalia First Credit Card(opens in new tab)