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Comparison · हिन्दी

HDFC Regalia vs HDFC Regalia Gold

Both cards compared on real rupee returns for all-round premium rewards and travel benefits. We ran the numbers so you can make the right call.

Last updated: October 2026 · Based on current card terms
HDFC
REGALIA
ASHOK KUMAR
VS
HDFC
REGALIA GOLD
ASHOK KUMAR
Our verdict
HDFC Regalia Gold Credit Card wins for most people
Card B delivers nearly double the annual benefit at ₹2,570 versus Card A's ₹1,330. Its superior reward rate and higher fee waiver threshold make it the clear winner for your ₹26,000 monthly spend profile.
Side-by-side comparison
HDFC Regalia Credit Card HDFC Regalia Gold Credit Card ✓
Annual benefit ₹1,330 ₹2,570
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹2,500 + taxes (waived on ₹3L 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 → 4 reward points per ₹150 spent (about 1.33% when redeemed at 50 paise a point on flights and hotels); up to 5% on SmartBuy partner spends 5 reward points per ₹200 on all spends (1.625%); 5X on Nykaa, Myntra, Marks & Spencer, Reliance Digital
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 12 visits/year (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 Premium rewards and lounge access 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 → ₹6L+ 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 → 750+ 750+
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When each card wins
HDFC Regalia Credit Card
Choose Card A if you heavily use SmartBuy partners for shopping or frequently book flights and hotels, as the 5% category bonus and optimized redemption value on travel can offset its lower base rewards.
HDFC Regalia Gold Credit Card
Card B excels for your spend pattern since it earns rewards on all categories uniformly, plus bonus multipliers on fashion and electronics align well with your ₹8,000 monthly shopping spends.
Who should get which card
Get HDFC Regalia if you…
· You maximize SmartBuy partner benefits for shopping, dining, or entertainment
· You frequently redeem points on flights and hotels through HDFC portals
· You value premium lounge access and travel insurance
Get HDFC Regalia Gold if you…
· You want consistent rewards across all spending categories without category limits
· You shop regularly at Nykaa, Myntra, or Reliance Digital for extra multipliers
· You prefer higher annual benefit with better fee waiver potential
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 Regalia Credit Card has an annual fee of ₹2,500 + taxes (waived on ₹3L spend). HDFC Regalia Gold Credit Card has an annual fee of ₹2,500 + taxes (waived on ₹4,00,000/year spend).
HDFC Regalia Credit Card offers 4 reward points per ₹150 spent (about 1.33% when redeemed at 50 paise a point on flights and hotels); up to 5% on SmartBuy partner spends. HDFC Regalia Gold Credit Card offers 5 reward points per ₹200 on all spends (1.625%); 5X on Nykaa, Myntra, Marks & Spencer, Reliance Digital.
HDFC Regalia Credit Card lounge access: 12 visits/year (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 Regalia Credit Card charges 2% forex markup. HDFC Regalia Gold Credit Card charges 2% forex markup.