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IDFC FIRST Select vs HDFC Regalia Gold

Both cards compared on real rupee returns for best all-round premium credit card India IDFC vs HDFC Regalia Gold. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
IDFC FIRST
SELECT
ASHOK KUMAR
VS
HDFC
REGALIA GOLD
ASHOK KUMAR
Our verdict
IDFC FIRST Select Credit Card wins for most people
Card A wins with ₹1,980 annual benefit versus Card B's ₹1,790. The lifetime-free structure and higher dining/travel rewards make it the superior choice for this moderate spend profile.
Side-by-side comparison
IDFC FIRST Select Credit Card ✓ HDFC Regalia Gold Credit Card
Annual benefit ₹1,980 ₹1,790
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free ₹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 → 10X points (1.25%) on dining, travel and international spends; 3X (0.375%) on all other eligible spends; 1X (0.125%) on utility, insurance, FASTag 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 → 1 domestic visit/quarter (on ₹20,000/month spend); 4 railway lounge visits/quarter 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 → 1.99% 2%
Best for Lifetime free card with dining, travel rewards and low forex markup 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 → ₹12L/year ₹1L/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 750+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
IDFC FIRST Select Credit Card
Choose Card A when you prioritize dining and travel rewards without paying annual fees. Its 10X points on dining and travel perfectly match your ₹10,000 combined monthly spend in these categories.
HDFC Regalia Gold Credit Card
Choose Card B if you shop frequently at Nykaa, Myntra, or Reliance Digital, or if annual spend crosses ₹4,00,000 (waiving the fee). Its uniform 1.625% rewards work better for diverse spenders.
Who should get which card
Get IDFC FIRST Select if you…
· Lifetime free card with no annual fee burden
· 10X rewards on your ₹10,000/month dining + travel spend
· Better value for moderate monthly spends under ₹25,000
Get HDFC Regalia Gold if you…
· Preferred if you shop regularly at partner brands (Nykaa, Myntra, Reliance Digital)
· Superior travel benefits and lounge access as a premium card
· Fee waived at ₹4,00,000+ annual spend (high-income earners)
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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Related guides
Axis Bank Select vs HDFC Regalia Gold →HDFC Regalia vs HDFC Regalia Gold →HDFC Millennia vs HDFC Regalia Gold →IDFC FIRST Millennia vs IDFC FIRST Select →Best Dining Credit Cards →Best Travel Credit Cards →Best Shopping Credit Cards →
Frequently asked questions
Based on our analysis, IDFC FIRST Select Credit Card offers better annual returns for most spend profiles.
IDFC FIRST Select Credit Card has an annual fee of Lifetime free. HDFC Regalia Gold Credit Card has an annual fee of ₹2,500 + taxes (waived on ₹4,00,000/year spend).
IDFC FIRST Select Credit Card offers 10X points (1.25%) on dining, travel and international spends; 3X (0.375%) on all other eligible spends; 1X (0.125%) on utility, insurance, FASTag. HDFC Regalia Gold Credit Card offers 5 reward points per ₹200 on all spends (1.625%); 5X on Nykaa, Myntra, Marks & Spencer, Reliance Digital.
IDFC FIRST Select Credit Card lounge access: 1 domestic visit/quarter (on ₹20,000/month spend); 4 railway lounge visits/quarter. HDFC Regalia Gold Credit Card lounge access: 12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter).
IDFC FIRST Select Credit Card charges 1.99% forex markup. HDFC Regalia Gold Credit Card charges 2% forex markup.