Skip to main content

HDFC Bank Regalia Gold Credit Card VS IndusInd Legend 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 IndusInd Legend Credit Card and HDFC Bank Regalia Gold Credit Card suit travel-focused spenders, but they earn and cost differently. IndusInd Legend Credit Card is lifetime-free and earns 1 RP per ₹100 on weekdays, 2 RP per ₹100 on weekends. No points on fuel/utilities. 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 Gold Credit Card also brings 12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards. If movies spending matters more, go with IndusInd Legend Credit Card; if shopping is the priority, HDFC Bank Regalia Gold Credit Card fits better.

HDFC Bank Regalia Gold Credit Card
HDFC Bank Regalia Gold Credit Card
IndusInd Legend Credit Card
IndusInd Legend Credit Card

Fees & Charges

Joining Fee₹2,500 + GST
Joining FeeLifetime Free
Renewal Fee₹2,500 + GST
Renewal FeeLifetime Free
Spend Based WaiverRenewal Fee waived upon spending ₹4 Lakhs in an anniversary year (12 billing cycles).
Spend Based Waiver
Foreign Transaction Fees2% + GST applies on all international foreign currency transactions.
Foreign Transaction Fees1.8% + GST.
Interest Rate (APR)Revolving credit interest rate is 3.75% per month, equating to 45% annually.
Interest Rate (APR)3.95% per month (47.40% per annum).

Rewards & Benefits

Welcome Bonus₹2,500 gift voucher. Complimentary Swiggy One and MMTBLACK Gold Membership on ₹1 Lakh spend in 90 days.
Welcome Bonus
Rewards RateEarn 4 RPs on ₹150 retail spend; 20 RPs on ₹150 at Nykaa, Reliance Digital, Myntra, M&S.
Rewards RateEarn 1 RP per ₹100 on weekdays, 2 RP per ₹100 on weekends. No points on fuel/utilities.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST is charged per redemption of reward points.
Reward Redemption Fee₹149 + GST for cash redemption.

Travel & Lifestyle

Domestic Lounge Access12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards.
Domestic Lounge Access
International Lounge Access6 complimentary international lounge visits per year via Priority Pass for primary & add-on members.
International Lounge Access
Travel BenefitsOffers extensive travel perks including flight vouchers, discounts, and complimentary lounge access.
Travel BenefitsTravel insurance (lost baggage, air accident up to ₹25L). Concierge for bookings & assistance.
Movie BenefitsNot Applicable
Movie BenefitsBuy One Get One Free movie tickets via BookMyShow (capped at ₹200, once a month), plus ₹50 off F&B.
Dining BenefitsFLAT 10% EXTRA OFF at 35,000+ restaurants. Get ₹200 Off on Swiggy Dineout twice monthly.
Dining Benefits
Golf BenefitsNot Applicable
Golf Benefits
Fuel Surcharge WaiverNot Applicable for fuel transactions with this HDFC Bank Regalia Gold Credit Card.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions at authorized fuel stations in India.

Security & Other

Insurance Benefits₹1 Cr air death cover, ₹15 Lakhs overseas hospitalization, ₹9 Lakhs credit liability cover.
Insurance BenefitsTravel insurance (lost baggage, air accident up to ₹25L). Total Protect for unauthorized transactions & counterfeit fraud.
Cash Advance ChargesEither 2.5% of amount or ₹500, whichever of these two values is higher.
Cash Advance Charges2.5% of transaction amount, minimum ₹300.
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 Gold Credit Card

IndusInd Legend Credit Card

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.

Who is it for?

The IndusInd Bank Legend Credit Card is a lifetime free, entry-level card offering notable benefits for new cardholders. It features a low 1.8% foreign currency markup, making it suitable for international spends. Cardholders also enjoy a monthly Buy One Get One Free movie ticket offer and bonus reward points on annual spending milestones. While lounge access has been discontinued, its overall value proposition makes it a solid choice for everyday use and specific perks.

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.

The card is lifetime free, offering significant savings with no annual fees.

Enjoy a competitive 1.8% foreign currency markup, ideal for international travel.

Benefit from a monthly Buy One Get One Free movie ticket offer via BookMyShow.

Access to exclusive Visa offers, including Alaya Stays and Times Prime Membership.

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.

The Buy One Get One Free movie ticket offer is limited to only one per month.

The IndusInd Bank Legend Credit Card does not provide any specific dining offers.

Airport lounge access, including Priority Pass, has been discontinued for this card.

The reward rate is average, offering 1% on weekends and a lower 0.5% on weekdays.

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 Gold Credit Card(opens in new tab)Apply for IndusInd Legend Credit Card(opens in new tab)