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Side-by-Side Comparison|Updated March 2026

HDFC Bank Times Platinum vs HDFC Bank Regalia Gold

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

HDFC Bank

HDFC Bank Times Platinum

6.8/10
Annual Fee₹1,000
Base Rewards0.15%
NetworkVisa
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HDFC Bank

HDFC Bank Regalia Gold

8.5/10
Annual Fee₹2,500
Base Rewards0.5333333333333334%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureHDFC Bank Times PlatinumHDFC Bank Regalia Gold
Annual Fee₹1,000₹2,500
Joining Fee₹1,000₹2,500
Fee Waiver Spend₹2,50,000₹4,00,000
Base Reward Rate0.15%0.5333333333333334%
Reward CurrencyReward PointsReward Points
NetworkVisaVisa
Editor Rating6.8/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Times Platinum

No accelerated rewards listed

HDFC Bank Regalia Gold

  • 0% on Lifestyle Brands
  • 0% on SmartBuy Hotels
  • 0% on SmartBuy Flights

Pros & Cons

HDFC Bank Times Platinum

Pros

  • 50% discount on movie tickets via BookMyShow up to ₹600 per transaction.
  • Accelerated 10 Reward Points per ₹150 spent on weekday dining (Mon-Fri).
  • Complimentary 1-year Times Prime membership providing access to SonyLIV, ZEE5, and more.
  • Welcome vouchers worth ₹5,000 across shopping and dining categories.

Cons

  • No complimentary airport lounge access.
  • Low reward redemption value of ₹0.15 per point.
  • High annual fee waiver threshold of ₹2.5 Lakhs compared to benefits.

HDFC Bank Regalia Gold

Pros

  • High reward rate of up to 13.3% on select lifestyle brands like Myntra and Nykaa.
  • Comprehensive lounge access with 12 domestic and 6 international visits annually.
  • Generous milestone benefits including up to ₹10,000 in flight vouchers per year.
  • Low foreign currency markup of 2% compared to the standard 3.5%.

Cons

  • Reward points expire after 2 years, requiring active management.
  • Base reward rate is relatively modest at 1.33% for general spends.
  • No reward points on fuel, rent, and wallet loads.

Our Verdict

HDFC Bank Regalia Gold edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Times Platinum could be the better pick if its specific category strengths match your spending habits.

Choose HDFC Bank Times Platinum if

Frequent movie-goers can save up to ₹2,400 monthly with the 50% BookMyShow discount.

Choose HDFC Bank Regalia Gold if

Offers extensive lounge access and high-value flight vouchers through milestones.

Frequently Asked Questions

Which is better: HDFC Bank Times Platinum or HDFC Bank Regalia Gold?
HDFC Bank Regalia Gold edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Times Platinum could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank Times Platinum and HDFC Bank Regalia Gold?
HDFC Bank Times Platinum has an annual fee of ₹1,000, while HDFC Bank Regalia Gold has an annual fee of ₹2,500. HDFC Bank Times Platinum offers a fee waiver on ₹2,50,000 annual spend. HDFC Bank Regalia Gold offers a fee waiver on ₹4,00,000 annual spend.
Which card has better rewards: HDFC Bank Times Platinum or HDFC Bank Regalia Gold?
HDFC Bank Times Platinum offers a base reward rate of 0.15%. HDFC Bank Regalia Gold offers 0.5333333333333334% base rewards with bonuses on Lifestyle Brands and SmartBuy Hotels. The better choice depends on your primary spending categories.
Can I have both HDFC Bank Times Platinum and HDFC Bank Regalia Gold?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Times Platinum and HDFC Bank Regalia Gold can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Times Platinum or HDFC Bank Regalia Gold?
For beginners, HDFC Bank Times Platinum may be more approachable with a lower annual fee of ₹1,000. However, evaluate based on your expected spending pattern rather than fee alone.

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