Skip to main content

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.
Verified
Last updated: 30 June 2026

Both HDFC Bank Regalia Credit Card and HDFC Bank Regalia Gold Credit Card suit travel-focused spenders, but they earn and cost differently. HDFC Bank Regalia Credit Card costs ₹2,500 + GST and earns 4 Reward Points on every Rs. 150 spent on retail. HDFC Bank Regalia Gold Credit Card costs ₹2,500 + GST and earns 4 RPs on ₹150 retail spend; 20 RPs on ₹150 at Nykaa, Reliance Digital, Myntra, M&S. HDFC Bank Regalia Credit Card also brings 8 complimentary accesses per year, spend-based (Rs. 1 lakh per quarter for 2 vouchers), while HDFC Bank Regalia Gold Credit Card counters with 12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards. Weigh the fee against the reward rate above to see which fits your spending pattern better.

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
Joining Fee₹2,500 + GST
Renewal Fee₹2,500 + GST
Renewal Fee₹2,500 + GST
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% on all foreign currency transactions.
Foreign Transaction Fees2% + GST applies on all international foreign currency transactions.
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 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 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 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 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 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 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 BenefitsNot Applicable
Movie BenefitsNot Applicable
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 BenefitsNot applicable.
Golf BenefitsNot Applicable
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 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 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.
Apply Now(opens in new tab)
Apply Now(opens in new tab)
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.

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