HDFC Bank INFINIA Metal Credit Card VS HDFC Bank Regalia Credit Card VS HDFC Bank Regalia Gold Credit Card VS HDFC Business Regalia Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
HDFC Bank INFINIA Metal Credit Card
HDFC Bank Regalia Credit Card
HDFC Bank Regalia Gold Credit Card
HDFC Business Regalia Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Unlimited lounge access globally for primary and add-on cardholders via Priority Pass membership.
Enjoy unlimited complimentary golf games and coaching at premier courses across the world.
Highly rewarding with 5 Reward Points for every ₹150 spent, up to 10X on SmartBuy.
Valuable welcome & renewal benefits, including bonus RPs & complimentary Club Marriott membership.
Comprehensive insurance benefits, including air accidental death cover and overseas hospitalization.
Pros
Key benefits and features.
Generous welcome bonus reward points and a competitive reward rate.
Low foreign exchange markup fee of 2% on international transactions.
Complimentary domestic and international lounge access with Priority Pass.
Significant milestone benefits with bonus reward points on annual spending.
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.
Pros
Key benefits and features.
Offers a competitive reward rate of 4 points per ₹150 across diverse spending categories.
Provides extensive lounge access: 8 domestic & 6 international visits yearly for cardholders.
Includes valuable insurance benefits like air accidental cover up to ₹1 Crore till April 2025.
Features a renewal fee waiver on annual spends above ₹3 Lakhs, enhancing long-term value.
Offers a flexible interest-free credit period up to 50 days, aiding business expense management.
Cons
Key drawbacks and limitations.
The card is strictly invite-only, making it inaccessible to most potential applicants due to rigorous criteria.
Significant joining and renewal fees, though a waiver is possible with very high annual spending.
Reward points have monthly caps on grocery, telecom, and utility transactions, limiting earning potential.
Low cashback redemption value (₹0.30 per point) compared to higher value redemptions for travel.
Cons
Key drawbacks and limitations.
Other HDFC cards might offer better benefits or redemption options.
Many spend categories like fuel, rentals, and government spends do not earn reward points.
Reward points have an expiry period of 2 years from the date of accumulation.
Domestic lounge access is spend-based, requiring Rs. 1 lakh spend per quarter.
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.
Cons
Key drawbacks and limitations.
Some key benefits like insurance and business cashback are being discontinued or revised soon.
Domestic lounge access will require a minimum spend of ₹1 Lakh per quarter from April 2025.
High foreign currency markup of 3.5% makes international spends less rewarding for users.
Reward points on groceries are capped at 2,000 per month, limiting benefits in this category.
Welcome benefits are not explicitly offered with the HDFC Business Regalia Credit Card.