Vyaya
Side-by-Side Comparison|Updated March 2026

HDFC Bank Regalia First 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 First

5.5/10
Annual Fee₹1,000
Base Rewards0.6%
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 Regalia FirstHDFC Bank Regalia Gold
Annual Fee₹1,000₹2,500
Joining Fee₹1,000₹2,500
Fee Waiver Spend₹1,00,000₹4,00,000
Base Reward Rate0.6%0.5333333333333334%
Reward CurrencyReward PointsReward Points
NetworkVisaVisa
Editor Rating5.5/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Regalia First

No accelerated rewards listed

HDFC Bank Regalia Gold

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

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 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 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 Regalia Gold if

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

Frequently Asked Questions

Which is better: HDFC Bank Regalia First or HDFC Bank Regalia Gold?
HDFC Bank Regalia Gold 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 Regalia Gold?
HDFC Bank Regalia First has an annual fee of ₹1,000, while HDFC Bank Regalia Gold has an annual fee of ₹2,500. HDFC Bank Regalia First offers a fee waiver on ₹1,00,000 annual spend. HDFC Bank Regalia Gold offers a fee waiver on ₹4,00,000 annual spend.
Which card has better rewards: HDFC Bank Regalia First or HDFC Bank Regalia Gold?
HDFC Bank Regalia First offers a base reward rate of 0.6%. 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 First and HDFC Bank Regalia Gold?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Regalia First and HDFC Bank Regalia Gold can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Regalia First or HDFC Bank Regalia Gold?
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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