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Comparison · हिन्दी

SC Ultimate vs HDFC Regalia Gold

Both cards compared on real rupee returns for best flat rate premium credit card India. We ran the numbers so you can make the right call.

Last updated: · Based on current card terms
STANDARD C
ULTIMATE
ASHOK KUMAR
VS
HDFC
REGALIA GOLD
ASHOK KUMAR
Our verdict
Standard Chartered Ultimate Credit Card wins for most people
SC Ultimate wins with ₹5,711 annual benefit versus HDFC Regalia Gold's ₹3,350, delivering 70% more value. Its flat 3.33% reward rate on most spends outpaces category-specific bonuses, making it ideal for consistent high spenders.
Side-by-side comparison
Standard Chartered Ultimate Credit Card ✓ HDFC Regalia Gold Credit Card
Annual benefit ₹5,711 ₹3,350
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹5,000 + taxes (6,000 welcome RP worth ₹6,000, offsets fee in Year 1) ₹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 (about 3.33% at ₹1 a point); 3 points per ₹150 (2%) on utilities, supermarkets, insurance, property management, schools and government payments; 2% forex 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 → Domestic and international lounge access (Standard Chartered's value chart counts 6 domestic and 4 Priority Pass visits a year) 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 wanting the best flat reward rate in India with 1 RP = ₹1 redemption value 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 → ₹24L+/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+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
Standard Chartered Ultimate Credit Card
SC Ultimate excels for high-volume spenders across all categories. The consistent 3.33% return on shopping, dining, and travel maximizes rewards without category restrictions or point caps.
HDFC Regalia Gold Credit Card
HDFC Regalia Gold suits lifestyle shoppers prioritizing fashion and electronics. Choose it if you spend heavily on Nykaa, Myntra, or Reliance Digital, and value travel insurance and airport lounge access.
Who should get which card
Get Standard Chartered Ultimate if you…
· Consistent high spenders across all categories
· Value simplicity with no category caps or restrictions
· Prefer ₹1 per point redemption clarity
Get HDFC Regalia Gold if you…
· Regular shoppers at Nykaa, Myntra, and Reliance Digital
· Prioritize travel perks and lounge access
· Prefer lower annual fee with spend-based waiver
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, Standard Chartered Ultimate Credit Card offers better annual returns for most spend profiles.
Standard Chartered Ultimate Credit Card has an annual fee of ₹5,000 + taxes (6,000 welcome RP worth ₹6,000, offsets fee in Year 1). HDFC Regalia Gold Credit Card has an annual fee of ₹2,500 + taxes (waived on ₹4,00,000/year spend).
Standard Chartered Ultimate Credit Card offers 5 reward points per ₹150 on most spends (about 3.33% at ₹1 a point); 3 points per ₹150 (2%) on utilities, supermarkets, insurance, property management, schools and government payments; 2% forex. 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.
Standard Chartered Ultimate Credit Card lounge access: Domestic and international lounge access (Standard Chartered's value chart counts 6 domestic and 4 Priority Pass visits a year). HDFC Regalia Gold Credit Card lounge access: 12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter).
Standard Chartered Ultimate Credit Card charges 2% forex markup. HDFC Regalia Gold Credit Card charges 2% forex markup.