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Side-by-Side Comparison|Updated March 2026

HDFC Bank Regalia First 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 First

5.5/10
Annual Fee₹1,000
Base Rewards0.6%
NetworkVisa
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HDFC Bank

HDFC Bank Infinia

9.8/10
Annual Fee₹12,500
Base Rewards1.0989%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank Regalia FirstHDFC Bank Infinia
Annual Fee₹1,000₹12,500
Joining Fee₹1,000₹12,500
Fee Waiver Spend₹1,00,000₹10,00,000
Base Reward Rate0.6%1.0989%
Reward CurrencyReward PointsReward Points
NetworkVisaVisa
Editor Rating5.5/109.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Regalia First

No accelerated rewards listed

HDFC Bank Infinia

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

Pros & Cons

HDFC Bank Regalia First

Pros

  • Low foreign currency markup fee of 2% compared to standard 3.5%
  • Reward points can be redeemed for flights and hotels at a value of ₹0.30 per point
  • Comprehensive insurance cover including ₹50 Lakh Air Accident Death Cover
  • Milestone bonus of up to 7,500 Reward Points on annual spends of ₹6 Lakhs

Cons

  • Complimentary airport lounge access (domestic and international) has been discontinued since Dec 2023
  • Base reward rate reduced to 3 RP per ₹150 spent from Sep 2024
  • Card is no longer available for new applications

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

Choose HDFC Bank Regalia First if

Existing users who spend moderately and want a low-fee card with decent travel redemption value.

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 First or HDFC Bank Infinia?
HDFC Bank Infinia edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Regalia First could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank Regalia First and HDFC Bank Infinia?
HDFC Bank Regalia First has an annual fee of ₹1,000, while HDFC Bank Infinia has an annual fee of ₹12,500. HDFC Bank Regalia First offers a fee waiver on ₹1,00,000 annual spend. HDFC Bank Infinia offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: HDFC Bank Regalia First or HDFC Bank Infinia?
HDFC Bank Regalia First offers a base reward rate of 0.6%. 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 First and HDFC Bank Infinia?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Regalia First and HDFC Bank Infinia can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Regalia First or HDFC Bank Infinia?
For beginners, HDFC Bank Regalia First 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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