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In short: HDFC Regalia Gold has the lower annual fee (₹2,500 vs ₹4,999); HDFC Regalia Gold includes 3 airport lounge visits a quarter, HSBC TravelOne 6 airport lounge visits a year; HDFC Regalia Gold has the lower forex markup (2% vs 3.5%).
| Key facts | HDFC Regalia Gold | HSBC TravelOne |
|---|---|---|
| Annual fee | ₹2,500 | ₹4,999 |
| Joining fee | ₹2,500 | ₹4,999 |
| Annual fee waived | On ₹4 lakh annual spend | On ₹8 lakh annual spend |
| Top reward rate | 5X reward points on Myntra, Reliance Digital, Nykaa and 1 more | 2X Reward Points on Car Rentals |
| Base rewards | 5 reward points For Every ₹200 | 2 Reward Points on ₹100 Spent |
| Lounge access | 3 airport lounge visits a quarter | 6 airport lounge visits a year |
| Forex markup | 2% | 3.5% |
From issuer benefit data, checked 7 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
Hdfc Bank Regalia Gold Credit Card and Hsbc Travelone Credit Card both cater to premium users with distinct reward structures and travel benefits. Regalia Gold focuses on accelerated rewards in select shopping categories and offers substantial flight vouchers as milestones. Travelone emphasizes travel-related rewards, including higher points on foreign currency spends and car rentals, along with golf privileges.
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 |
| Top reward rate | 5X reward points on Myntra, Reliance Digital, Nykaa and 1 more | Earn 2X Reward Points on Car Rentals |
| Base rate (other spends) | Earn 5 Rewards Points For Every Rs.200 | 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 | Rs.1000 Cashback As Welcome Rewards |
| Milestone benefit | Get Rs.1500 Vouchers on Spend Rs.150000; Get Rs.5000 Additional Flight Vouchers on Spend Rs.7.5 Lakhs | Earn 10000 Reward Points on Spend of Rs.1200000 |
| Foreign currency markup | 2% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
The Hdfc Bank Regalia Gold Credit Card offers a higher top reward rate of 5X points on brands like Myntra, Nykaa, and Reliance Digital, with a base accrual of 5 points per Rs.200 spent. This makes it well-suited for shoppers targeting those categories. In contrast, the Hsbc Travelone Credit Card provides 2 reward points per Rs.100 spent generally, with 2X points on car rentals and 4 points per Rs.100 on flights and foreign currency spends. Regalia Gold’s accelerated shopping categories and milestone vouchers provide strong value for diversified spends. Overall, Regalia Gold leads in rewards due to these focused benefits.
Both cards offer valuable travel benefits but with different emphases. Regalia Gold includes 3 domestic and 6 international lounge visits per year, plus flight vouchers as milestone rewards, supporting frequent flyers. Travelone provides 6 domestic and 4 international lounge visits annually, slightly more domestic access but fewer international. Travelone also offers 4 complimentary golf lessons and 4 rounds of golf per year, which may appeal to golf enthusiasts. Forex markup is lower on Regalia Gold at 2% compared to 3.5% on Travelone, favoring international spenders. Travel benefits are closely matched, making this a tie depending on user preferences.
The Hdfc Bank Regalia Gold Credit Card has a joining and renewal fee of Rs.2500 each, waived on spending Rs.400,000 annually. The Hsbc Travelone Credit Card charges Rs.4999 for joining and renewal, with a waiver threshold of Rs.800,000 spend. Regalia Gold’s lower fees and easier waiver requirement make it more cost-effective for most users. Forex markup is also lower on Regalia Gold, reducing foreign transaction costs. Overall, Regalia Gold offers better effective cost advantages.
Hdfc Bank Regalia Gold Credit Card offers multiple milestone vouchers including Rs.1500 quarterly vouchers and flight vouchers worth Rs.5000 each on spends of Rs.5 and Rs.7.5 lakhs annually, adding significant value for high spenders. Hsbc Travelone Credit Card provides a milestone of 10,000 reward points on Rs.12 lakhs spend, which is less tangible compared to Regalia Gold’s flight vouchers.
Regalia Gold charges a 2% forex markup and offers 5X points on select shopping brands, but no accelerated foreign currency rewards. Travelone charges a higher 3.5% forex markup but compensates with 4 reward points per Rs.100 on foreign currency spends, benefiting international travelers who spend frequently abroad.
Regalia Gold provides 3 domestic and 6 international lounge visits per year, while Travelone offers 6 domestic and 4 international visits. Additionally, Travelone includes complimentary golf lessons and rounds, appealing to golf enthusiasts, whereas Regalia Gold includes premium memberships like MMT Black Gold and Swiggy One for dining and travel convenience.
Consider Hdfc Bank Regalia Gold Credit Card if you frequently shop on brands like Myntra, Nykaa, and Reliance Digital and want accelerated reward points in these categories. It is also suitable if you prefer a lower annual fee with achievable waiver conditions and value milestone flight vouchers. Its mix of domestic and international lounge access plus a complimentary MMT Black Gold membership adds to its travel appeal.
Consider Hsbc Travelone Credit Card if your spending is heavily travel-focused, especially on flights, foreign currency, and car rentals, and you appreciate additional lifestyle benefits like complimentary golf lessons and rounds. Despite higher fees, the card’s travel-centric rewards and lounge access may suit frequent travelers who also enjoy golf privileges.
Hdfc Bank Regalia Gold Credit Card charges Rs.2500 for joining and renewal, waived on Rs.4 lakhs annual spend. Hsbc Travelone Credit Card charges Rs.4999 for joining and renewal, waived on Rs.8 lakhs annual spend.
Hdfc Bank Regalia Gold Credit Card offers 5X reward points on Myntra, Nykaa, Reliance Digital, and Marks & Spencer, making it better for shopping rewards compared to Hsbc Travelone’s general 2 points per Rs.100.
Regalia Gold has a 2% forex markup but no accelerated foreign currency rewards. Travelone charges 3.5% forex markup but offers 4 reward points per Rs.100 spent in foreign currency.
Regalia Gold offers 3 domestic and 6 international lounge visits per year. Travelone provides 6 domestic and 4 international lounge visits annually.
Regalia Gold includes complimentary MMT Black Gold and Swiggy One memberships. Travelone offers 3 months of EazyDiner Prime membership and complimentary golf lessons and rounds.
Regalia Gold provides vouchers and flight vouchers on spends of Rs.1.5 lakhs, Rs.5 lakhs, and Rs.7.5 lakhs. Travelone offers 10,000 reward points on Rs.12 lakhs annual spend.