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faayda.com › compare › HDFC Infinia vs HDFC Regalia Gold
Comparison · हिन्दी

HDFC Infinia vs HDFC Regalia Gold

Both cards compared on real rupee returns for HDFC premium card upgrade: Regalia Gold vs Infinia. We ran the numbers so you can make the right call.

Updated · Terms checked by Prashant Parikh
HDFC
INFINIA
ASHOK KUMAR
VS
HDFC
REGALIA GOLD
ASHOK KUMAR
Our verdict
HDFC Regalia Gold Credit Card wins for most people
HDFC Regalia Gold wins with ₹5,690 annual benefit versus HDFC Infinia's ₹4,283, delivering ₹1,407 more value despite lower reward rates, thanks to its significantly lower fee structure.
Side-by-side comparison
HDFC Infinia Credit Card HDFC Regalia Gold Credit Card ✓
Annual benefit ₹4,283 ₹5,690
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹12,500 + taxes (waived on ₹10L spend) ₹2,500 + taxes (waived on ₹4,00,000/year spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 5 reward points per ₹150 on most spends, including insurance, utilities and education (about 3.33% at ₹1 a point on flights, hotels, Apple products and Tanishq vouchers through SmartBuy); up to 10X on SmartBuy travel and shopping; no points on fuel; grocery and utility points capped at 2,000 a month each 5 reward points per ₹200 on most spends (about 1.625% at ₹0.65 a point on the Gold catalogue); 5X on Nykaa, Myntra, Marks & Spencer and Reliance Digital; no points on fuel; grocery points capped at 2,000 a month
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → Unlimited (domestic + international) 12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2% 2%
Best for High spenders who redeem points for flights and hotels and want unlimited lounge access (invite only) All-round premium card with travel perks and lifestyle rewards
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25L+ per year ₹1L/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 800+ 750+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
HDFC Infinia Credit Card
HDFC Infinia excels when you spend over ₹10 lakh annually to waive its ₹12,500 fee and maximize SmartBuy redemptions on flights and hotels at premium valuations exceeding ₹1 per point.
HDFC Regalia Gold Credit Card
HDFC Regalia Gold suits your ₹42,000 monthly spend profile perfectly, offering better value through its lower fee, simpler rewards structure, and higher redemption flexibility without requiring ultra-high spending thresholds.
Who should get which card
Get HDFC Infinia if you…
· Luxury travelers who book premium flights and hotels regularly through SmartBuy
· High spenders crossing ₹10 lakh annually to fully waive the annual fee
· Those prioritizing unlimited invitation-only airport lounge access
Get HDFC Regalia Gold if you…
· Mid-to-high spenders seeking strong value without aggressive fee waiver targets
· Shoppers leveraging 5X rewards on Nykaa, Myntra, and Reliance Digital
· Users wanting simpler rewards redemption with lower annual fee burden
Partner offer
IDFC FIRST Ashva Credit Card
Frequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the app
Apply now →
IDFC
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, HDFC Regalia Gold Credit Card offers better annual returns for most spend profiles.
HDFC Infinia Credit Card has an annual fee of ₹12,500 + taxes (waived on ₹10L spend). HDFC Regalia Gold Credit Card has an annual fee of ₹2,500 + taxes (waived on ₹4,00,000/year spend).
HDFC Infinia Credit Card offers 5 reward points per ₹150 on most spends, including insurance, utilities and education (about 3.33% at ₹1 a point on flights, hotels, Apple products and Tanishq vouchers through SmartBuy); up to 10X on SmartBuy travel and shopping; no points on fuel; grocery and utility points capped at 2,000 a month each. HDFC Regalia Gold Credit Card offers 5 reward points per ₹200 on most spends (about 1.625% at ₹0.65 a point on the Gold catalogue); 5X on Nykaa, Myntra, Marks & Spencer and Reliance Digital; no points on fuel; grocery points capped at 2,000 a month.
HDFC Infinia Credit Card lounge access: Unlimited (domestic + international). HDFC Regalia Gold Credit Card lounge access: 12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter).
HDFC Infinia Credit Card charges 2% forex markup. HDFC Regalia Gold Credit Card charges 2% forex markup.