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HDFC Bank RuPay IRCTC Credit Card VS HDFC Bank Regalia First Credit Card VS InterMiles HDFC Bank Platinum Credit Card VS HDFC Bank Regalia 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: 30 September 2026
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CheQ AU Credit Card

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CheQ AU Credit Card
HDFC Bank RuPay IRCTC Credit Card
HDFC Bank RuPay IRCTC Credit Card
HDFC Bank Regalia First Credit Card
HDFC Bank Regalia First Credit Card
InterMiles HDFC Bank Platinum Credit Card
InterMiles HDFC Bank Platinum Credit Card
HDFC Bank Regalia Credit Card
HDFC Bank Regalia Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹1,000 + GST
Joining Fee₹1,000 + GST
Joining Fee₹2,500 + GST
Renewal Fee₹500 + GST
Renewal Fee₹1,000 + GST
Renewal Fee₹1,000 + GST
Renewal Fee₹2,500 + GST
Spend Based WaiverRenewal fee waived if you spend INR 1,50,000 or more in an anniversary year.
Spend Based WaiverRenewal fee waived off if an amount exceeding Rs. 1 Lakh is spent in the anniversary year.
Spend Based WaiverWaived on annual spend of ₹2.50 Lakhs
Spend Based WaiverAnnual fee waiver (second year onwards) on spending Rs. 3 lakhs or more in the previous year.
Foreign Transaction Fees3.5% of the total transacted amount.
Foreign Transaction Fees2% on forex transactions; 3.5% for international transactions (as per FAQ).
Foreign Transaction Fees3.5% + applicable taxes
Foreign Transaction Fees2% on all foreign currency transactions.
Interest Rate (APR)3.75% Per Month (45% Annually) on revolving credit.
Interest Rate (APR)3.6% monthly (equivalent to 43.2% annually) on the overdue amount.
Interest Rate (APR)3.6% per month (43.2% annually)
Interest Rate (APR)3.6% per month or 43.2% annually on outstanding amount.

Rewards & Benefits

Welcome BonusAmazon voucher worth ₹500 upon activation with first transaction within 37 days.
Welcome Bonus1,000 Reward Points on successful payment of the annual fee.
Welcome BonusUp to 3,000 Bonus InterMiles, ₹500 flight voucher, ₹1,000 hotel voucher
Welcome Bonus2,500 bonus Reward Points are awarded after the successful realization of the joining fee.
Rewards Rate5 Reward Points for every ₹100 spent on IRCTC, 1 Reward Point for every ₹100 on other retail spends.
Rewards RateEarn 4 Reward Points for every Rs. 150 spent on all retail purchases.
Rewards Rate4 InterMiles per ₹150 on retail; 8 InterMiles per ₹150 on InterMiles bookings
Rewards RateEarn 4 Reward Points on every Rs. 150 spent on retail.
Reward TypeReward Points
Reward TypeReward Points
Reward TypeAir Miles, Other Benefits
Reward TypeReward Points
Reward Redemption Fee₹99 + GST.
Reward Redemption FeeRs. 99
Reward Redemption Fee
Reward Redemption FeeRs. 99 (plus applicable taxes) charged on every redemption request.

Travel & Lifestyle

Domestic Lounge Access8 complimentary accesses to select IRCTC Executive Lounges annually (2 per quarter).
Domestic Lounge AccessNot Available
Domestic Lounge Access8 complimentary visits per calendar year (max 2 per quarter) via Visa/Mastercard programs.
Domestic Lounge Access8 complimentary accesses per year, spend-based (Rs. 1 lakh per quarter for 2 vouchers).
International Lounge AccessNot Applicable
International Lounge AccessNot Available
International Lounge Access
International Lounge AccessPriority Pass membership with 6 complimentary lounge visits per year outside India.
Travel BenefitsAccelerated rewards on IRCTC bookings, 5% cashback via SmartBuy, 1% transaction charges waiver.
Travel BenefitsReward points can be redeemed for flight and hotel bookings.
Travel BenefitsComplimentary domestic lounge access, flight/hotel discount vouchers, 5% off Etihad flights.
Travel BenefitsComplimentary domestic/international lounge access, travel insurance, and accelerated rewards on bookings.
Movie BenefitsNot Applicable
Movie BenefitsNot Applicable
Movie Benefits
Movie BenefitsNot Applicable
Dining BenefitsNot Applicable
Dining BenefitsSpecial offers at premium restaurants with The Good Food Trail dining program across top cities.
Dining BenefitsUp to 20% discount on dining via Dineout Pay (capped at ₹1,000/month)
Dining BenefitsGet up to 20% off on partner restaurants via Swiggy Dineout when payment is made via the Swiggy application.
Golf BenefitsNot Applicable
Golf BenefitsNot Available
Golf Benefits
Golf BenefitsNot applicable.
Fuel Surcharge Waiver1% waiver on fuel transactions (min ₹400, max ₹5000), capped at ₹250/cycle.
Fuel Surcharge Waiver1% waiver on fuel transactions between Rs. 400 and Rs. 5,000, capped at Rs. 500/billing cycle.
Fuel Surcharge Waiver1% waiver on fuel spends (min ₹400, max ₹250/billing cycle).
Fuel Surcharge Waiver1% waiver on transactions Rs. 400-5,000, capped at Rs. 500 per month.

Security & Other

Insurance BenefitsNot Applicable
Insurance BenefitsAir accidental (Rs 50L), emergency overseas hospitalization (Rs 10L), credit liability (Rs 5L).
Insurance BenefitsComprehensive insurance coverage for travel and emergencies.
Insurance BenefitsAccidental air death cover of Rs. 1 Cr, emergency overseas hospitalization up to Rs. 15 lakhs.
Cash Advance Charges2.5% of cash amount or ₹500, whichever is higher.
Cash Advance Charges2.5% of withdrawn amount, minimum Rs. 500 or Rs. 600, whichever is higher.
Cash Advance Charges2.5% of amount withdrawn or ₹500, whichever is higher.
Cash Advance Charges2.5% of transaction amount or Rs. 500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank RuPay IRCTC Credit Card

HDFC Bank Regalia First Credit Card

InterMiles HDFC Bank Platinum Credit Card

HDFC Bank Regalia Credit Card

Who is it for?

The HDFC Bank RuPay IRCTC Credit Card is tailored for frequent railway travelers, offering substantial benefits for train bookings. Cardholders enjoy accelerated rewards on IRCTC spends, complimentary access to IRCTC Executive Lounges, and an additional 5% cashback on train tickets via HDFC SmartBuy. With a nominal fee that can be waived, this card makes railway travel more rewarding and convenient.

Who is it for?

The HDFC Bank Regalia First Credit Card offers a blend of travel and lifestyle privileges. It provides significant Reward Points on retail purchases, along with dining benefits and comprehensive insurance covers. Cardholders can also benefit from milestone rewards and a renewal fee waiver based on annual spending, making it ideal for frequent travelers and shoppers seeking enhanced benefits.

Who is it for?

The InterMiles HDFC Bank Platinum Credit Card, though now discontinued, was a travel-focused credit card from HDFC Bank, offering valuable InterMiles on everyday and travel spends. It provided complimentary domestic lounge access, attractive welcome benefits, and dining discounts, making it suitable for frequent travelers and diners. Despite its appealing features like comprehensive insurance and fee waiver options, new applications are no longer accepted as the card has been phased out.

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.

Pros

Key benefits and features.

Provides an Amazon voucher worth ₹500 as a welcome benefit upon card activation.

Earn 5X Reward Points on IRCTC spends and competitive rates on other retail purchases.

Includes complimentary railway lounge access (8 per year, 2 per quarter).

Allows for a spend-based waiver of the annual renewal fee.

Grants an additional 5% cashback on train ticket bookings via HDFC SmartBuy.

Pros

Key benefits and features.

Earn 5,000 Reward Points on annual spends of Rs. 3 Lakhs or more.

Accumulate up to 7,500 bonus Reward Points annually through milestone benefits.

Comprehensive insurance covers include air accident, hospitalization & credit liability.

Renewal fee waiver available on annual spends exceeding Rs. 1 Lakh.

Pros

Key benefits and features.

Earn valuable InterMiles on all retail spends, accelerating travel rewards.

Enjoy 8 complimentary domestic lounge visits annually, enhancing travel comfort.

Benefit from attractive welcome offers including bonus InterMiles and travel vouchers.

Get up to 20% discount on dining bills, adding value to everyday expenses.

Comprehensive insurance coverage provides peace of mind for travel and emergencies.

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.

Cons

Key drawbacks and limitations.

A minimum of 100 points is required for reward redemption.

Maximum value for reward points is limited to train ticket purchases on HDFC SmartBuy.

A Rewards Redemption Fee of ₹99 + GST applies.

Features a high Foreign Currency Markup of 3.5%.

Carries a high interest rate of 3.75% per month (45% annually) for revolving credit.

Cons

Key drawbacks and limitations.

A reward redemption fee of Rs. 99 is always applicable.

Does not provide any complimentary domestic or international lounge access.

No reward points are earned when making fuel transactions.

The foreign currency markup can be as high as 3.5%.

Cons

Key drawbacks and limitations.

The card is discontinued and no longer available for new applications.

High foreign currency markup of 3.5% makes international transactions costly.

InterMiles are not earned on fuel transactions, limiting reward accrual.

High interest rate of 3.6% per month if outstanding balances are not cleared.

Lounge access is limited to domestic airports only, with no international lounge benefits.

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.

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 RuPay IRCTC Credit Card(opens in new tab)Apply for InterMiles HDFC Bank Platinum Credit Card(opens in new tab)Apply for HDFC Bank Regalia Credit Card(opens in new tab)