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HDFC Bank INFINIA Metal Credit Card VS IDFC FIRST Wealth Credit Card VS HDFC Bank Regalia Credit Card VS HDFC Bank Regalia Gold Credit Card

A detailed, side-by-side look at 4 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 22 July 2026
HDFC Bank INFINIA Metal Credit Card
HDFC Bank INFINIA Metal Credit Card
IDFC FIRST Wealth Credit Card
IDFC FIRST Wealth Credit Card
HDFC Bank Regalia Credit Card
HDFC Bank Regalia Credit Card
HDFC Bank Regalia Gold Credit Card
HDFC Bank Regalia Gold Credit Card

Fees & Charges

Joining Fee₹12,500 + GST
Joining FeeLifetime Free
Joining Fee₹2,500 + GST
Joining Fee₹2,500 + GST
Renewal Fee₹12,500 + GST
Renewal FeeLifetime Free
Renewal Fee₹2,500 + GST
Renewal Fee₹2,500 + GST
Spend Based WaiverRenewal fee waived on ₹10 lakhs or more spend in preceding 12 months for Metal Edition.
Spend Based WaiverNot Applicable
Spend Based WaiverAnnual fee waiver (second year onwards) on spending Rs. 3 lakhs or more in the previous year.
Spend Based WaiverRenewal Fee waived upon spending ₹4 Lakhs in an anniversary year (12 billing cycles).
Foreign Transaction Fees2% + GST (~2.36%) on all foreign currency transactions.
Foreign Transaction Fees1.5% (+ GST) on international transactions.
Foreign Transaction Fees2% on all foreign currency transactions.
Foreign Transaction Fees2% + GST applies on all international foreign currency transactions.
Interest Rate (APR)1.99% per month (23.8% annualized) on the due amount.
Interest Rate (APR)Dynamic interest rates ranging from 8.5% to 46.2% per annum (0.75% to 3.5% per month).
Interest Rate (APR)3.6% per month or 43.2% annually on outstanding amount.
Interest Rate (APR)Revolving credit interest rate is 3.75% per month, equating to 45% annually.

Rewards & Benefits

Welcome BonusComplimentary Club Marriott membership for 1st year & 12,500 bonus Reward Points on activation.
Welcome Bonus₹500 gift voucher on spending ₹5,000 and 5% cashback (up to ₹1,000) on the first EMI transaction.
Welcome Bonus2,500 bonus Reward Points are awarded after the successful realization of the joining fee.
Welcome Bonus₹2,500 gift voucher. Complimentary Swiggy One and MMTBLACK Gold Membership on ₹1 Lakh spend in 90 days.
Rewards RateEarn 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping.
Rewards Rate10X points on spends above ₹20,000 and birthdays; 3X points on other spends; 1 point = ₹0.25.
Rewards RateEarn 4 Reward Points on every Rs. 150 spent on retail.
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 TypeReward Points
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption Fee₹99 + GST per redemption transaction.
Reward Redemption FeeRs. 99 (plus applicable taxes) charged on every redemption request.
Reward Redemption Fee₹99 + GST is charged per redemption of reward points.

Travel & Lifestyle

Domestic Lounge AccessUnlimited complimentary airport lounge access in India for primary and add-on cardholders.
Domestic Lounge Access2 complimentary domestic lounge visits per quarter (subject to ₹20,000 monthly spend).
Domestic Lounge Access8 complimentary accesses per year, spend-based (Rs. 1 lakh per quarter for 2 vouchers).
Domestic Lounge Access12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards.
International Lounge AccessUnlimited complimentary airport lounge access globally via Priority Pass for primary & add-on.
International Lounge Access2 complimentary international lounge visits per quarter (subject to ₹20,000 monthly spend).
International Lounge AccessPriority Pass membership with 6 complimentary lounge visits per year outside India.
International Lounge Access6 complimentary international lounge visits per year via Priority Pass for primary & add-on members.
Travel BenefitsComplimentary Club Marriott & ITC Hotels stay offers; Redeem RP for flights/airmiles on SmartBuy.
Travel Benefits1.5% forex markup, trip cancellation cover, limousine discounts, and airport meet & greet service.
Travel BenefitsComplimentary domestic/international lounge access, travel insurance, and accelerated rewards on bookings.
Travel BenefitsOffers extensive travel perks including flight vouchers, discounts, and complimentary lounge access.
Movie Benefits
Movie BenefitsBuy-One-Get-One (BOGO) offer via District app, up to ₹250 off per ticket, twice per month.
Movie BenefitsNot Applicable
Movie BenefitsNot Applicable
Dining BenefitsComplimentary Club Marriott membership; 1+1 buffet at ITC; FLAT 10% EXTRA OFF on Swiggy Dineout.
Dining BenefitsUp to 20% discount at 1,500+ restaurants and priority access via Visa Infinite privileges.
Dining BenefitsGet up to 20% off on partner restaurants via Swiggy Dineout when payment is made via the Swiggy application.
Dining BenefitsFLAT 10% EXTRA OFF at 35,000+ restaurants. Get ₹200 Off on Swiggy Dineout twice monthly.
Golf BenefitsUnlimited complimentary golf lessons and games at leading courses across India and worldwide.
Golf BenefitsUp to 2 complimentary golf rounds or lessons monthly upon spending over ₹20,000 in a cycle.
Golf BenefitsNot applicable.
Golf BenefitsNot Applicable
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹1,00,000, capped at ₹1,000 per statement cycle.
Fuel Surcharge Waiver1% waiver on transactions between ₹200 and ₹5,000 (capped at ₹400 per month).
Fuel Surcharge Waiver1% waiver on transactions Rs. 400-5,000, capped at Rs. 500 per month.
Fuel Surcharge WaiverNot Applicable for fuel transactions with this HDFC Bank Regalia Gold Credit Card.

Security & Other

Insurance BenefitsAccidental Air Death ₹3 Cr, Emergency Overseas Hospitalization ₹50 L, Credit Shield ₹9 L.
Insurance Benefits₹1 Crore air accident cover, ₹10 Lakh personal accident cover, and USD 1,200 travel insurance.
Insurance BenefitsAccidental air death cover of Rs. 1 Cr, emergency overseas hospitalization up to Rs. 15 lakhs.
Insurance Benefits₹1 Cr air death cover, ₹15 Lakhs overseas hospitalization, ₹9 Lakhs credit liability cover.
Cash Advance ChargesNIL, but interest charges are applicable from the date of cash advance.
Cash Advance Charges₹199 + GST per transaction with 0% interest for up to 45 days.
Cash Advance Charges2.5% of transaction amount or Rs. 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.

HDFC Bank INFINIA Metal Credit Card

IDFC FIRST Wealth Credit Card

HDFC Bank Regalia Credit Card

HDFC Bank Regalia Gold Credit Card

Who is it for?

The HDFC Bank INFINIA Metal Credit Card is a super-premium, invite-only offering designed for high-net-worth individuals. It provides luxurious benefits like unlimited global lounge access, complimentary golf, a 24x7 concierge, and high reward earnings. With its low foreign currency markup and comprehensive insurance, it caters to an uncompromising lifestyle.

Who is it for?

The IDFC FIRST Wealth Credit Card is a premium lifetime-free card offering a unique dynamic interest rate starting at 8.5% and a low 1.5% forex markup. It features comprehensive luxury benefits including global lounge access, complimentary golf, and a robust reward program with points that never expire, making it an ideal choice for high-income earners seeking lifestyle and travel privileges.

Who is it for?

The HDFC Bank Regalia Credit Card is a premium offering designed for individuals seeking significant travel and lifestyle benefits. It provides a robust rewards program with 4 Reward Points on every Rs. 150 spent, complemented by welcome and milestone bonuses. Cardholders enjoy complimentary domestic and international lounge access, a low foreign currency markup, and comprehensive insurance coverage, making it ideal for frequent travelers and those seeking exclusive privileges.

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.

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.

Lifetime-free credit card with no joining or annual membership charges forever.

Extremely low foreign currency markup of 1.5% for international transactions.

Interest-free cash withdrawals for up to 45 days providing excellent liquidity.

Comprehensive air accident cover of ₹1 crore and diverse travel insurance benefits.

Premium lifestyle perks including complimentary golf rounds and BOGO movie tickets.

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.

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.

Low monetary value for reward points fixed at a base rate of ₹0.25 per point.

Lounge and golf access are restricted by a monthly spend requirement of ₹20,000.

High income eligibility requirement of ₹36 Lakhs per annum for prospective applicants.

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.

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 INFINIA Metal Credit Card(opens in new tab)Apply for IDFC FIRST Wealth Credit Card(opens in new tab)Apply for HDFC Bank Regalia Credit Card(opens in new tab)Apply for HDFC Bank Regalia Gold Credit Card(opens in new tab)