Hdfc Bank Regalia Gold Credit Card vs Hsbc Travelone Credit Card: Which is Better in 2026?
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The Hdfc Bank Regalia Gold Credit Card and the HSBC Travelone Credit Card both cater to premium users but differ in rewards focus, fees, and travel benefits. Regalia Gold emphasizes lifestyle and shopping rewards with multiple milestone benefits, while Travelone targets frequent travelers with enhanced hotel and flight rewards. Both offer lounge access, but their fee structures and forex charges vary significantly.
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 Gold Credit Card | Hsbc Travelone Credit Card |
|---|---|---|
| Bank | HDFC Bank | HSBC |
| Network | MasterCard | MasterCard |
| Joining fee | Joining Fee of Rs. 2500 | Joining Fee - Rs.4999 |
| Annual / renewal fee | Renewal Fee of Rs. 2500 | Annual Fees - Rs.4999 |
| Annual fee waiver | Spend Rs.400000 For Renewal Fee Waiver | Spend Rs.8 Lakhs For Renewal Fee Waiver |
| Reward rate (headline) | 5X Reward Points on spends at Nykaa | Earn 2 Reward Points on Rs.100 Spent |
| Lounge — domestic | 3 Domestic Lounge Visits Per Calendar Quarter | 6 Complimentary Domestic Airport Lounge Access Per Year |
| Lounge — international | 6 Complimentary Lounge Access Outside India | 4 Complimentary International Lounge Access Per Year |
| Welcome benefit | Complimentary MMT Black Gold Membership | 3 months EazyDiner Prime Membership |
| Milestone benefit | Earn 10000 Rewards Points on Spend of Rs.5 Lakhs | Earn 3000 Reward Points on Spend of Rs.1 Lakhs; Earn 10000 Reward Points on Spend of Rs.1200000 |
| Foreign currency markup | 2% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
Both cards offer strong rewards but with different emphases. The Hdfc Bank Regalia Gold Credit Card provides 5X reward points on select lifestyle brands like Nykaa, Reliance Digital, and Myntra, along with milestone rewards and flexible redemption options including cashback and travel. HSBC Travelone Credit Card focuses more on travel-related rewards, offering 6X points on hotels and 4X points on flights and travel aggregators, plus a welcome cashback and vouchers. Overall, rewards value depends on your spending pattern — lifestyle shoppers may prefer Regalia Gold, while travelers may find Travelone more rewarding.
Which is better for travel?
For travel benefits, Hdfc Bank Regalia Gold Credit Card offers more international lounge access (6 times) and quarterly domestic lounge visits (3 per quarter), compared to HSBC Travelone’s 6 domestic and 4 international lounge visits annually. Additionally, Regalia Gold includes complimentary memberships like MMT Black Gold and Swiggy One, enhancing travel and dining experiences. HSBC Travelone provides golf benefits such as complimentary rounds and lessons, which may appeal to niche travelers. Overall, Regalia Gold offers broader lounge access and travel memberships, making it slightly better for frequent travelers.
Which has lower effective cost?
The Hdfc Bank Regalia Gold Credit Card has a joining and renewal fee of Rs. 2500 each, with a renewal fee waiver on spending Rs. 4 lakhs annually. HSBC Travelone charges higher fees at Rs. 4999 for joining and renewal, with a waiver threshold of Rs. 8 lakhs. Forex markup is lower on Regalia Gold at 2%, compared to 3.5% on Travelone, making Regalia Gold more cost-effective for foreign currency transactions. Considering fees and forex charges, Regalia Gold is more economical for most users.
Forex Charges
Hdfc Bank Regalia Gold Credit Card charges a 2% forex markup, which is lower than the 3.5% charged by HSBC Travelone Credit Card. This makes Regalia Gold more suitable for users who frequently transact in foreign currencies.
Milestone Benefits
Regalia Gold offers multiple milestone benefits including vouchers and reward points on spending thresholds as low as Rs. 1.5 lakhs quarterly and up to Rs. 7.5 lakhs annually. HSBC Travelone provides milestone reward points but with higher spend requirements, making Regalia Gold more rewarding for milestone achievers.
Lounge Access
Regalia Gold provides 3 domestic lounge visits per calendar quarter and 6 international lounge visits annually, while Travelone offers 6 domestic and 4 international lounge visits per year. Regalia Gold’s quarterly domestic lounge access offers more frequent usage opportunities.
Who should pick Hdfc Bank Regalia Gold Credit Card?
Consider Hdfc Bank Regalia Gold Credit Card if you prefer a card with balanced lifestyle and travel rewards, more international lounge access, and lower fees. It suits users who shop frequently at select brands like Nykaa and Myntra and want milestone benefits and complimentary travel memberships. Its lower forex markup also benefits those who spend abroad or in foreign currency.
Who should pick Hsbc Travelone Credit Card?
Consider HSBC Travelone Credit Card if you are a frequent traveler focused on hotel and flight bookings, and you value golf-related perks. The card offers higher reward points on travel spends and comes with welcome cashback and dining membership benefits. However, be prepared for higher fees and forex charges, which may be justified by your travel frequency and reward redemption preferences.
Frequently Asked Questions
Hdfc Bank Regalia Gold Credit Card charges Rs. 2500 for joining and renewal, with a renewal fee waiver on spending Rs. 4 lakhs annually. HSBC Travelone Credit Card charges Rs. 4999 for joining and renewal, with a waiver on spending Rs. 8 lakhs.
Hdfc Bank Regalia Gold Credit Card has a lower forex markup of 2%, compared to 3.5% on HSBC Travelone Credit Card.
Regalia Gold offers 3 domestic lounge visits per calendar quarter and 6 international visits annually. Travelone provides 6 domestic and 4 international lounge visits per year.
Regalia Gold offers complimentary MMT Black Gold and Swiggy One memberships upon minimum spend. Travelone provides 3 months of EazyDiner Prime membership, Rs. 1000 cashback, and a Rs. 3000 voucher on minimum spends.
Yes, Regalia Gold offers multiple milestone rewards including vouchers and reward points on spends starting from Rs. 1.5 lakhs quarterly. Travelone offers reward points milestones on spends of Rs. 1 lakh quarterly and Rs. 12 lakhs annually.
Hdfc Bank Regalia Gold Credit Card is generally better for frequent travelers due to more international lounge access and complimentary travel memberships. However, HSBC Travelone offers higher reward points on hotels and flights, plus golf benefits.