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HDFC Bank Regalia Gold Credit Card VS Marriott Bonvoy HDFC Bank 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.
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Last updated: 18 July 2026

Both HDFC Bank Regalia Gold Credit Card and Marriott Bonvoy HDFC Bank Credit Card suit travel-focused spenders, but they earn and cost differently. 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. Marriott Bonvoy HDFC Bank Credit Card costs ₹3,000 + GST and earns 8 points/₹150 on Marriott stays; 4 points/₹150 on Travel, Dining & Entertainment. 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, while Marriott Bonvoy HDFC Bank Credit Card counters with 12 complimentary visits to domestic lounges within India each year for primary & supplementary. If shopping spending matters more, go with HDFC Bank Regalia Gold Credit Card; if dining is the priority, Marriott Bonvoy HDFC Bank Credit Card fits better.

HDFC Bank Regalia Gold Credit Card
HDFC Bank Regalia Gold Credit Card
Marriott Bonvoy HDFC Bank Credit Card
Marriott Bonvoy HDFC Bank Credit Card

Fees & Charges

Joining Fee₹2,500 + GST
Joining Fee₹3,000 + GST
Renewal Fee₹2,500 + GST
Renewal Fee₹3,000 + GST
Spend Based WaiverRenewal Fee waived upon spending ₹4 Lakhs in an anniversary year (12 billing cycles).
Spend Based WaiverNot applicable for annual fee waiver, but milestone benefits offer additional free nights.
Foreign Transaction Fees2% + GST applies on all international foreign currency transactions.
Foreign Transaction Fees3.5%.
Interest Rate (APR)Revolving credit interest rate is 3.75% per month, equating to 45% annually.
Interest Rate (APR)3.75% Per Month (45% Annually).

Rewards & Benefits

Welcome Bonus₹2,500 gift voucher. Complimentary Swiggy One and MMTBLACK Gold Membership on ₹1 Lakh spend in 90 days.
Welcome Bonus1 Free Night Award (15,000 Marriott Bonvoy Points) & complimentary Silver Elite status.
Rewards RateEarn 4 RPs on ₹150 retail spend; 20 RPs on ₹150 at Nykaa, Reliance Digital, Myntra, M&S.
Rewards RateEarn 8 points/₹150 on Marriott stays; 4 points/₹150 on Travel, Dining & Entertainment.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST is charged per redemption of reward points.
Reward Redemption FeeNot applicable.

Travel & Lifestyle

Domestic Lounge Access12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards.
Domestic Lounge Access12 complimentary visits to domestic lounges within India each year for primary & supplementary.
International Lounge Access6 complimentary international lounge visits per year via Priority Pass for primary & add-on members.
International Lounge Access12 complimentary visits to international lounges outside of India each year for primary & supplementary.
Travel BenefitsOffers extensive travel perks including flight vouchers, discounts, and complimentary lounge access.
Travel BenefitsAccelerated points on travel, 12 domestic & 12 international lounge access, travel insurance.
Movie BenefitsNot Applicable
Movie BenefitsAccelerated points on entertainment spends, including movies, with 4 points per ₹150.
Dining BenefitsFLAT 10% EXTRA OFF at 35,000+ restaurants. Get ₹200 Off on Swiggy Dineout twice monthly.
Dining BenefitsAccelerated points on dining spends (4 points/₹150), plus Priority Late Checkout & Member Rates.
Golf BenefitsNot Applicable
Golf Benefits2 complimentary golf course access & 2 golf lessons per quarter, plus Golf Concierge.
Fuel Surcharge WaiverNot Applicable for fuel transactions with this HDFC Bank Regalia Gold Credit Card.
Fuel Surcharge Waiver1% waiver on transactions between ₹400 to ₹5,000.

Security & Other

Insurance Benefits₹1 Cr air death cover, ₹15 Lakhs overseas hospitalization, ₹9 Lakhs credit liability cover.
Insurance BenefitsAir Accident, Emergency Medical, Baggage/Document Loss, Flight Delay, Credit Shield, Loss Liability Cover.
Cash Advance ChargesEither 2.5% of amount or ₹500, whichever of these two values is higher.
Cash Advance Charges2.5% of advanced amount or ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank Regalia Gold Credit Card

Marriott Bonvoy HDFC Bank 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 Marriott Bonvoy HDFC Bank Credit Card is a premium co-branded offering tailored for loyal Marriott customers and frequent travelers. It provides significant value through welcome and milestone Free Night Awards, complimentary Marriott Bonvoy Silver Elite status, and accelerated reward points on hotel stays, travel, dining, and entertainment. Cardholders also enjoy extensive travel perks including domestic and international lounge access, golf benefits, and comprehensive insurance coverage, making it ideal for those seeking luxury travel and lifestyle privileges.

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.

Significant value from welcome and milestone Free Night Awards for Marriott stays.

Extensive travel benefits including 24 complimentary lounge accesses annually.

Comprehensive insurance coverage provides peace of mind for travelers.

Complimentary golf access and lessons enhance the premium lifestyle offering.

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.

Redemption value for Marriott Bonvoy Points can fluctuate, lacking consistent value.

Annual fee waiver is not available, requiring consistent payment regardless of spend.

Complimentary Silver Elite status is a basic tier; a higher tier would be more fitting.

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.
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