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HDFC Bank Regalia 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

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
₹2,500 + GST
₹2,500 + GST
Renewal Fee
₹2,500 + GST
₹2,500 + GST
Spend Based Waiver
Annual fee waiver (second year onwards) on spending Rs. 3 lakhs or more in the previous year.
Renewal Fee waived upon spending ₹4 Lakhs in an anniversary year (12 billing cycles).
Foreign Transaction Fees
2% on all foreign currency transactions.
2% + GST applies on all international foreign currency transactions.
Interest Rate (APR)
3.6% per month or 43.2% annually on outstanding amount.
Revolving credit interest rate is 3.75% per month, equating to 45% annually.

Rewards & Benefits

Welcome Bonus
2,500 bonus Reward Points are awarded after the successful realization of the joining fee.
₹2,500 gift voucher. Complimentary Swiggy One and MMTBLACK Gold Membership on ₹1 Lakh spend in 90 days.
Rewards Rate
Earn 4 Reward Points on every Rs. 150 spent on retail.
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
Rs. 99 (plus applicable taxes) charged on every redemption request.
₹99 + GST is charged per redemption of reward points.

Travel & Lifestyle

Domestic Lounge Access
8 complimentary accesses per year, spend-based (Rs. 1 lakh per quarter for 2 vouchers).
12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards.
International Lounge Access
Priority Pass membership with 6 complimentary lounge visits per year outside India.
6 complimentary international lounge visits per year via Priority Pass for primary & add-on members.
Travel Benefits
Complimentary domestic/international lounge access, travel insurance, and accelerated rewards on bookings.
Offers extensive travel perks including flight vouchers, discounts, and complimentary lounge access.
Movie Benefits
Not Applicable
Not Applicable
Dining Benefits
Get up to 20% off on partner restaurants via Swiggy Dineout when payment is made via the Swiggy application.
FLAT 10% EXTRA OFF at 35,000+ restaurants. Get ₹200 Off on Swiggy Dineout twice monthly.
Golf Benefits
Not applicable.
Not Applicable
Fuel Surcharge Waiver
1% waiver on transactions Rs. 400-5,000, capped at Rs. 500 per month.
Not Applicable for fuel transactions with this HDFC Bank Regalia Gold Credit Card.

Security & Other

Insurance Benefits
Accidental air death cover of Rs. 1 Cr, emergency overseas hospitalization up to Rs. 15 lakhs.
₹1 Cr air death cover, ₹15 Lakhs overseas hospitalization, ₹9 Lakhs credit liability cover.
Cash Advance Charges
2.5% of transaction amount or Rs. 500, whichever is higher.
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.

HDFC Bank Regalia Credit Card

HDFC Bank Regalia Gold Credit Card

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.

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.

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.

Ready to Choose?

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