Vyaya
Side-by-Side Comparison|Updated March 2026

HDFC Bank Regalia Activ vs HDFC Bank Infinia

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

HDFC Bank

HDFC Bank Regalia Activ

8.2/10
Annual Fee₹2,500
Base Rewards0.5333333333333334%
NetworkVisa
View Full Details

HDFC Bank

HDFC Bank Infinia

9.8/10
Annual Fee₹12,500
Base Rewards1.0989%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureHDFC Bank Regalia ActivHDFC Bank Infinia
Annual Fee₹2,500₹12,500
Joining Fee₹2,500₹12,500
Fee Waiver Spend₹3,00,000₹10,00,000
Base Reward Rate0.5333333333333334%1.0989%
Reward CurrencyReward PointsReward Points
NetworkVisaVisa
Editor Rating8.2/109.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Regalia Activ

  • 0% on SmartBuy Flights/Hotels — 5000 pts/month

HDFC Bank Infinia

  • 0% on SmartBuy Flights & Hotels
  • 0% on SmartBuy Shopping

Pros & Cons

HDFC Bank Regalia Activ

Pros

  • High reward rate of 1.33% on retail spends including insurance
  • Generous milestone rewards of up to 15,000 bonus points annually
  • Low foreign currency markup of 2% for international transactions
  • Comprehensive insurance cover including ₹1 Crore Air Accident Death cover

Cons

  • Domestic lounge access is contingent on a high quarterly spend of ₹1 Lakh
  • Reward points are not earned on fuel, rent, and wallet transactions
  • Capping on reward points for insurance and grocery categories

HDFC Bank Infinia

Pros

  • Unmatched 3.33% base reward rate on almost all retail spends.
  • 1:1 redemption ratio for flights, hotels, and premium brands like Apple and Tanishq.
  • Unlimited domestic and international lounge access for both primary and add-on members.
  • Exclusive luxury hotel benefits including 2+1 night stays and complimentary buffets at ITC Hotels.

Cons

  • Strictly invite-only with very high income and relationship eligibility criteria.
  • Reward points are capped for specific categories like insurance and grocery.
  • High annual fee of ₹12,500 + GST, though offset by welcome points.

Our Verdict

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

Choose HDFC Bank Regalia Activ if

Offers low forex markup and both domestic and international lounge access.

Choose HDFC Bank Infinia if

Seeking the highest reward rate in India with premium lifestyle and travel privileges.

Frequently Asked Questions

Which is better: HDFC Bank Regalia Activ or HDFC Bank Infinia?
HDFC Bank Infinia edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Regalia Activ could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank Regalia Activ and HDFC Bank Infinia?
HDFC Bank Regalia Activ has an annual fee of ₹2,500, while HDFC Bank Infinia has an annual fee of ₹12,500. HDFC Bank Regalia Activ offers a fee waiver on ₹3,00,000 annual spend. HDFC Bank Infinia offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: HDFC Bank Regalia Activ or HDFC Bank Infinia?
HDFC Bank Regalia Activ offers a base reward rate of 0.5333333333333334% with accelerated rewards on SmartBuy Flights/Hotels. HDFC Bank Infinia offers 1.0989% base rewards with bonuses on SmartBuy Flights & Hotels and SmartBuy Shopping. The better choice depends on your primary spending categories.
Can I have both HDFC Bank Regalia Activ and HDFC Bank Infinia?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Regalia Activ and HDFC Bank Infinia can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Regalia Activ or HDFC Bank Infinia?
For beginners, HDFC Bank Regalia Activ may be more approachable with a lower annual fee of ₹2,500. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

HDFC Bank Regalia Activ vs SBI Card ELITEHDFC Bank Infinia vs SBI Card ELITEHDFC Bank Regalia Activ vs ICICI Bank Emeralde Private Metal Credit CardHDFC Bank Infinia vs ICICI Bank Emeralde Private Metal Credit Card

Explore More

HDFC Bank Regalia Activ Full ReviewHDFC Bank Infinia Full ReviewAll HDFC Bank CardsBrowse All Credit CardsCredit Card Guides & Tips