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In short: both charge a ₹2,500 annual fee; HDFC Regalia includes 8 airport lounge visits a year, HDFC Regalia Gold 3 airport lounge visits a quarter; HDFC Regalia Gold has the lower forex markup (2% vs 3.5%).
| Key facts | HDFC Regalia | HDFC Regalia Gold |
|---|---|---|
| Annual fee | ₹2,500 | ₹2,500 |
| Joining fee | ₹2,500 | ₹2,500 |
| Annual fee waived | On ₹3 lakh annual spend | On ₹4 lakh annual spend |
| Top reward rate | 4 reward points For Every ₹200 | 5X reward points on Myntra, Reliance Digital, Nykaa and 1 more |
| Base rewards | 4 reward points For Every ₹200 | 5 reward points For Every ₹200 |
| Lounge access | 8 airport lounge visits a year | 3 airport lounge visits a quarter |
| Forex markup | 3.5% | 2% |
From issuer benefit data, checked 4 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, HDFC Regalia Gold returns about ₹5,400 more a year after annual fees (₹7,800 vs ₹2,400 in rewards).
| Spend profile | HDFC Regalia | HDFC Regalia Gold |
|---|---|---|
| Reward value: top rate / base rate | 1% / 1% | 8.13% / 1.63% |
| ₹20,000 a month, all general spends | ₹2,400 | ₹3,900 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹2,400 | ₹7,800 |
| Annual fee | ₹2,500 | ₹2,500 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
The HDFC Bank Regalia Credit Card Visa and the HDFC Bank Regalia Gold Credit Card both offer premium benefits with distinct reward structures and fee waivers. The Regalia Visa focuses on balanced rewards across categories with extensive lounge access, while the Regalia Gold Mastercard emphasizes accelerated rewards on select shopping brands and offers complimentary memberships. Fee waiver thresholds and forex charges also differ, making each card suitable for different spending habits and preferences.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | HDFC Bank Regalia Credit Card Visa | Hdfc Bank Regalia Gold Credit Card |
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Network | Visa | MasterCard |
| Joining fee | Joining Fee of Rs. 2500 | Joining Fee of Rs. 2500 |
| Annual / renewal fee | Renewal Fee of Rs. 2500 | Renewal Fee of Rs. 2500 |
| Annual fee waiver | Spend Rs.300000 For Renewal Fee Waiver | Spend Rs.400000 For Renewal Fee Waiver |
| Top reward rate | Earn 4 Rewards Points For Every Rs.200 | 5X reward points on Myntra, Reliance Digital, Nykaa and 1 more |
| Base rate (other spends) | — | Earn 5 Rewards Points For Every Rs.200 |
| Lounge — domestic | 8 Complimentary Airport Lounge Access Per Year | 3 Domestic Lounge Visits Per Calendar Quarter |
| Lounge — international | 6 Complimentary International Lounge Access | 6 Complimentary Lounge Access Outside India |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | — |
| Welcome benefit | — | Complimentary MMT Black Gold Membership |
| Milestone benefit | Earn 10000 Bonus Rewards Points on Rs. 5 Lakhs Spends; Earn 15000 Rewards Points on Spend of Rs.8 Lakhs | Get Rs.1500 Vouchers on Spend Rs.150000; Get Rs.5000 Additional Flight Vouchers on Spend Rs.7.5 Lakhs |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 2% - Foreign Currency Transactions |
The HDFC Bank Regalia Gold Credit Card delivers stronger rewards potential, especially with 5X points on popular brands like Myntra, Nykaa, and Reliance Digital, and a base rate of 5 points per Rs. 200. This translates to about Rs. 7,800 in yearly rewards at Rs. 20,000 monthly spend, compared to Rs. 2,400 for the Regalia Visa. The Regalia Visa offers a uniform 4 points per Rs. 200 across categories but lacks the high multiplier categories of the Gold card. Therefore, for shoppers focused on maximizing reward points, the Regalia Gold is more rewarding.
In travel-related benefits, the Regalia Visa card provides more extensive lounge access, including 8 domestic and 6 international complimentary visits annually. The Regalia Gold offers 3 domestic lounge visits per calendar quarter and 6 international lounges, which is fewer domestic accesses overall. While the Gold card includes complimentary MMT Black Gold and Swiggy One memberships, the Visa card’s stronger lounge access and travel redemption options make it better suited for frequent travelers seeking lounge comfort.
Both cards have the same joining and renewal fee of Rs. 2,500, but the fee waiver criteria differ. The Regalia Visa waives the renewal fee on Rs. 3,00,000 annual spend, whereas the Regalia Gold requires a higher spend of Rs. 4,00,000. Additionally, the Gold card has a lower forex markup fee of 2% compared to 3.5% on the Visa card, making it more cost-effective for international transactions. The Visa card offers a 1% fuel surcharge waiver, which is not listed for the Gold card.
The Regalia Visa card allows redemption of reward points for travel at a rate of 1 point = Rs. 0.5 or 0.5 air miles, and cashback at 1 point = Rs. 0.20, offering multiple redemption options. The Regalia Gold card’s redemption details are not listed in our data, so check with the issuer for specifics.
The Regalia Gold card offers complimentary memberships such as MMT Black Gold and Swiggy One upon meeting spend criteria, adding lifestyle value. The Regalia Visa card does not list any welcome benefits in our data.
Consider HDFC Bank Regalia Credit Card Visa if you prioritize extensive airport lounge access both domestically and internationally, and value a straightforward reward structure with steady points earning across categories like grocery and insurance. It is also suitable if you want a lower spend threshold for renewal fee waiver and a fuel surcharge waiver benefit.
Consider HDFC Bank Regalia Gold Credit Card if you are a frequent shopper on brands like Myntra, Nykaa, and Reliance Digital and want to maximize rewards with 5X points on these spends. It is also a good choice if you prefer a lower forex markup fee and complimentary memberships like MMT Black Gold and Swiggy One. This card suits those who can meet a higher spend threshold for fee waiver and want to earn more rewards on lifestyle and shopping categories.
Both cards have a joining and renewal fee of Rs. 2,500. The Regalia Visa card waives the renewal fee if you spend Rs. 3,00,000 annually, while the Regalia Gold card requires Rs. 4,00,000 annual spend for waiver.
The Regalia Visa card offers 8 complimentary domestic and 6 international lounge accesses per year. The Regalia Gold card provides 3 domestic lounge visits per calendar quarter and 6 international lounges.
The Regalia Visa card charges a 3.5% forex markup fee on foreign currency transactions, whereas the Regalia Gold card charges a lower 2% markup.
The Regalia Visa card offers a 1% fuel surcharge waiver. The Regalia Gold card’s fuel surcharge waiver is not listed in our data, so please check with the issuer.
The Regalia Gold card offers 5X reward points on select brands like Myntra, Nykaa, and Reliance Digital, with a base rate of 5 points per Rs. 200. The Regalia Visa card offers a uniform 4 points per Rs. 200 across categories.
The Regalia Gold card provides complimentary MMT Black Gold and Swiggy One memberships upon meeting spend criteria. The Regalia Visa card does not list any welcome benefits in our data.