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Side-by-Side Comparison|Updated March 2026

HDFC Bank Regalia 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 Regalia

7.8/10
Annual Fee₹2,500
Base Rewards0.5333333333333334%
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 RegaliaHDFC Bank Regalia Gold
Annual Fee₹2,500₹2,500
Joining Fee₹2,500₹2,500
Fee Waiver Spend₹3,00,000₹4,00,000
Base Reward Rate0.5333333333333334%0.5333333333333334%
Reward CurrencyReward PointsReward Points
NetworkVisaVisa
Editor Rating7.8/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Regalia

  • 0% on SmartBuy Flights/Hotels

HDFC Bank Regalia Gold

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

Pros & Cons

HDFC Bank Regalia

Pros

  • Versatile reward redemption at ₹0.50 per point for flights and hotels via SmartBuy.
  • Low foreign currency markup of 2% compared to the standard 3.5%.
  • Comprehensive insurance including ₹1 Crore Air Accident Death Cover.
  • Complimentary Priority Pass membership for both primary and add-on members.

Cons

  • Domestic lounge access is now spend-linked (₹1 Lakh per quarter).
  • New applications are no longer accepted for Indian residents.
  • Reward points expire after 2 years.

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 Regalia could be the better pick if its specific category strengths match your spending habits.

Choose HDFC Bank Regalia if

High value on flight/hotel bookings and low forex markup for international spends.

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 Regalia or HDFC Bank Regalia Gold?
HDFC Bank Regalia Gold edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Regalia could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank Regalia and HDFC Bank Regalia Gold?
HDFC Bank Regalia has an annual fee of ₹2,500, while HDFC Bank Regalia Gold has an annual fee of ₹2,500. HDFC Bank Regalia offers a fee waiver on ₹3,00,000 annual spend. HDFC Bank Regalia Gold offers a fee waiver on ₹4,00,000 annual spend.
Which card has better rewards: HDFC Bank Regalia or HDFC Bank Regalia Gold?
HDFC Bank Regalia offers a base reward rate of 0.5333333333333334% with accelerated rewards on SmartBuy Flights/Hotels. 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 Regalia and HDFC Bank Regalia Gold?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Regalia and HDFC Bank Regalia Gold can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Regalia or HDFC Bank Regalia Gold?
For beginners, HDFC Bank Regalia may be more approachable with a lower annual fee of ₹2,500. However, evaluate based on your expected spending pattern rather than fee alone.

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