Hdfc Bank Regalia Gold Credit Card vs Hsbc Travelone Credit Card: Which is Better in 2026?
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Hdfc Bank Regalia Gold Credit Card lists a lower headline annual fee in our data (around ₹2,499 apart), before waivers. Hsbc Travelone Credit Card shows a stronger headline earn rate in the first reward band we surface. Always confirm current fees and offers on the issuer’s site before you apply.
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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 Myntra | Earn 2 Reward Points on Rs.100 Spent |
| Lounge — domestic | 12 Complimentary Airport Lounge Access | 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 | Avail Gift Voucher Worth Rs.2500 | 3 months EazyDiner Prime Membership |
| Milestone benefit | Earn 15000 Rewards Points on Spend of Rs.8 Lakhs; 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?
Hsbc Travelone Credit Card shows a higher headline earn signal in the reward summaries we index (Earn 2 Reward Points on Rs.100 Spent vs 5X Reward Points on spends at Myntra). 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?
Hsbc Travelone Credit Card has richer lounge-related fields in our current benefits extract (domestic: 6 Complimentary Domestic Airport Lounge Access Per Year; international: 4 Complimentary International Lounge Access Per Year). Frequent flyers should still confirm guest access, visit limits and participating airports with the issuer.
Which has lower effective cost?
Hdfc Bank Regalia Gold Credit Card 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 Gold Credit Card?
Consider Hdfc Bank Regalia Gold 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.
Who should pick Hsbc Travelone Credit Card?
Consider Hsbc Travelone Credit Card if you already bank with HSBC, 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: Hsbc Travelone Credit Card — domestic: 6 Complimentary Domestic Airport Lounge Access Per Year; international: 4 Complimentary International Lounge Access Per Year. Hdfc Bank Regalia Gold Credit Card — domestic: 12 Complimentary Airport Lounge Access; international: 6 Complimentary Lounge Access Outside India. Guest rules, networks and visit caps change — confirm on the HDFC Bank and HSBC websites before you travel.
From the renewal-fee lines we index, the headline amounts are about ₹2,500 vs ₹4,999 per year before taxes and waivers. Campaigns and customer-specific pricing differ — use the comparison table and the HDFC Bank and HSBC websites for the final number.
On the first reward band we surface, Hsbc Travelone Credit Card shows a stronger headline earn (Earn 2 Reward Points on Rs.100 Spent vs 5X Reward Points on spends at Myntra). Category bonuses, caps and redemption value decide real-world returns — map this to where you actually spend.
Hdfc Bank Regalia Gold Credit Card: Spend Rs.400000 For Renewal Fee Waiver Hsbc Travelone Credit Card: Spend Rs.8 Lakhs For Renewal Fee Waiver Spend thresholds and anniversary rules change; confirm the latest T&Cs.
Hdfc Bank Regalia Gold Credit Card: 2% - Foreign Currency Transactions Hsbc Travelone 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 HSBC websites.
Hdfc Bank Regalia Gold Credit Card: Avail Gift Voucher Worth Rs.2500 Hsbc Travelone Credit Card: 3 months EazyDiner Prime Membership Welcome campaigns are time-bound — verify eligibility and fulfilment on the HDFC Bank and HSBC websites.