HDFC Bank Regalia Credit Card Visa vs Marriott Bonvoy HDFC Bank Credit Card: Which is Better in 2026?
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HDFC Bank Regalia Credit Card Visa lists a lower headline annual fee in our data (around ₹500 apart), before waivers. Always confirm current fees and offers on the issuer’s site before you apply.
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| Feature | HDFC Bank Regalia Credit Card Visa | Marriott Bonvoy HDFC Bank Credit Card |
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Network | Visa | Diners |
| Joining fee | Joining Fee of Rs. 2500 | Joining Fee of Rs.3000 |
| Annual / renewal fee | Renewal Fee of Rs. 2500 | Renewal Fee of Rs.3000 |
| Annual fee waiver | Spend Rs.300000 For Renewal Fee Waiver | — |
| Reward rate (headline) | Earn 4 Rewards Points For Every Rs.150 on Insurance | Earn 4 Marriott Bonvoy Points For Every Rs.150 on Entertainment |
| Lounge — domestic | 8 Complimentary Airport Lounge Access Per Year | 12 Complimentary Airport Lounge Access Within India |
| Lounge — international | 6 Complimentary International Lounge Access | 12 Complimentary Airport Lounge Access Outside India |
| Welcome benefit | — | Complimentary Marriott Bonvoy Silver Elite Status |
| Milestone benefit | Earn 10000 Bonus Rewards Points on Rs. 5 Lakhs Spends; Earn 15000 Rewards Points on Spend of Rs.8 Lakhs | — |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
Marriott Bonvoy HDFC Bank Credit Card shows a higher headline earn signal in the reward summaries we index (Earn 4 Marriott Bonvoy Points For Every Rs.150 on Entertainment vs Earn 4 Rewards Points For Every Rs.150 on Insurance). If you optimise for points or cashback on daily spend, start with that card’s reward bands — then model redemptions you actually use.
Which is better for travel?
Marriott Bonvoy HDFC Bank Credit Card has richer lounge-related fields in our current benefits extract (domestic: 12 Complimentary Airport Lounge Access Within India; international: 12 Complimentary Airport Lounge Access Outside India). Frequent flyers should still confirm guest access, visit limits and participating airports with the issuer.
Which has lower effective cost?
HDFC Bank Regalia Credit Card Visa appears cheaper on headline renewal fee in our data before waivers. If you are fee-sensitive, also read the waiver rules in the table — a higher sticker fee can still be net-negative cost if you naturally clear spend thresholds.
Who should pick HDFC Bank Regalia Credit Card Visa?
Consider HDFC Bank Regalia Credit Card Visa if you already bank with HDFC Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Who should pick Marriott Bonvoy HDFC Bank Credit Card?
Consider Marriott Bonvoy HDFC Bank Credit Card if you already bank with HDFC Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Frequently Asked Questions
From the lounge fields in our benefit data: Marriott Bonvoy HDFC Bank Credit Card — domestic: 12 Complimentary Airport Lounge Access Within India; international: 12 Complimentary Airport Lounge Access Outside India. HDFC Bank Regalia Credit Card Visa — domestic: 8 Complimentary Airport Lounge Access Per Year; international: 6 Complimentary International Lounge Access. Guest rules, networks and visit caps change — confirm on the HDFC Bank and HDFC Bank websites before you travel.
From the renewal-fee lines we index, the headline amounts are about ₹2,500 vs ₹3,000 per year before taxes and waivers. Campaigns and customer-specific pricing differ — use the comparison table and the HDFC Bank and HDFC Bank websites for the final number.
On the first reward band we surface, Marriott Bonvoy HDFC Bank Credit Card shows a stronger headline earn (Earn 4 Marriott Bonvoy Points For Every Rs.150 on Entertainment vs Earn 4 Rewards Points For Every Rs.150 on Insurance). Category bonuses, caps and redemption value decide real-world returns — map this to where you actually spend.
HDFC Bank Regalia Credit Card Visa: Spend Rs.300000 For Renewal Fee Waiver Marriott Bonvoy HDFC Bank Credit Card: Waiver wording not in our benefit extract — check HDFC Bank. Spend thresholds and anniversary rules change; confirm the latest T&Cs.
HDFC Bank Regalia Credit Card Visa: 3.50% - Foreign Currency Transactions Marriott Bonvoy HDFC Bank Credit Card: 3.5% - Foreign Currency Transactions Lower published foreign-currency markup is usually better for overseas and foreign-currency online spend; confirm the live rate and exclusions on the HDFC Bank and HDFC Bank websites.
HDFC Bank Regalia Credit Card Visa: Not in our extract. Marriott Bonvoy HDFC Bank Credit Card: Complimentary Marriott Bonvoy Silver Elite Status Welcome campaigns are time-bound — verify eligibility and fulfilment on the HDFC Bank and HDFC Bank websites.