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 frequent travelers but differ in fee structure, rewards focus, and lounge access. Regalia Gold offers a lower joining fee and more complimentary international lounge visits, while Travelone has a higher fee but includes golf benefits and a cashback welcome offer. Both cards provide milestone rewards, though with different spending thresholds and types of benefits.
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) | Earn 5 Rewards Points For Every Rs.200 on Insurance | Earn 2X Reward Points on Car Rentals |
| 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 | Welcome Benefits - PostCard Voucher Worth Rs.3000 |
| Milestone benefit | — | 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?
The Hdfc Bank Regalia Gold Credit Card stands out for rewards with 5X points on several popular retail categories like Marks & Spencer, Myntra, Nykaa, and Reliance Digital, plus flexible redemption options including travel and vouchers. HSBC Travelone offers solid travel-related rewards with 4 points per Rs.100 on foreign currency spends and flights, but fewer bonus categories. Regalia Gold's rewards are more diverse and potentially more valuable for everyday and lifestyle spends.
Which is better for travel?
Both cards offer good travel benefits but differ in lounge access and additional perks. Regalia Gold provides 3 domestic and 6 international lounge visits per calendar quarter and year respectively, favoring frequent international travelers. Travelone offers 6 domestic and 4 international lounge visits annually, along with unique golf benefits including complimentary rounds and lessons, appealing to golf enthusiasts. The choice depends on whether you prioritize lounge access frequency or extra travel lifestyle perks.
Which has lower effective cost?
Hdfc Bank Regalia Gold has a lower joining and renewal fee of Rs. 2500 with a renewal fee waiver on Rs. 4 lakh annual spend. HSBC Travelone charges Rs. 4999 for joining and renewal, with a waiver only after Rs. 8 lakh spend, making it more expensive to maintain. Forex markup is also lower on Regalia Gold at 2% compared to 3.5% on Travelone, which could be significant for frequent foreign currency transactions.
Milestone Benefits
Regalia Gold offers multiple milestone vouchers at Rs. 1.5 lakh quarterly and Rs. 5-7.5 lakh annually, providing flight vouchers as rewards. Travelone has a single milestone of 10,000 reward points on Rs. 12 lakh annual spend. Regalia Gold's milestone benefits are more frequent and potentially more valuable for high spenders.
Forex Charges
Regalia Gold charges a 2% forex markup on foreign currency transactions, which is lower than Travelone's 3.5%. This makes Regalia Gold more cost-effective for international spending.
Golf Benefits
HSBC Travelone includes exclusive golf perks such as 4 complimentary rounds and 12 coaching lessons annually, which are not available with Regalia Gold. This adds lifestyle value for golf enthusiasts.
Who should pick Hdfc Bank Regalia Gold Credit Card?
Consider Hdfc Bank Regalia Gold Credit Card if you want a card with a lower fee barrier, strong rewards across popular retail categories, more international lounge visits, and a lower forex markup. It suits frequent international travelers and shoppers who can benefit from milestone flight vouchers and flexible reward redemptions.
Who should pick Hsbc Travelone Credit Card?
Consider HSBC Travelone Credit Card if you are a frequent domestic traveler who values more domestic lounge visits and enjoys golf-related perks like complimentary rounds and coaching. It also appeals if you prefer a cashback welcome benefit and can meet the higher spending threshold for fee waiver and milestone rewards.
Frequently Asked Questions
Hdfc Bank Regalia Gold Credit Card charges Rs. 2500 for joining and renewal with a waiver on Rs. 4 lakh annual spend. HSBC Travelone Credit Card charges Rs. 4999 for both, with a waiver on Rs. 8 lakh annual spend.
Regalia Gold offers 3 domestic lounge visits per calendar quarter and 6 international lounge visits per year. Travelone provides 6 domestic and 4 international lounge visits annually.
Regalia Gold charges a 2% forex markup, while Travelone charges 3.5% on foreign currency transactions.
Regalia Gold offers complimentary MMT Black Gold and Swiggy One memberships after minimum spends. Travelone provides Rs. 1000 cashback and a Rs. 3000 PostCard voucher on minimum spends.
Yes, Regalia Gold offers quarterly and annual flight vouchers on spends starting from Rs. 1.5 lakh quarterly and Rs. 5 lakh annually. Travelone offers 10,000 reward points on Rs. 12 lakh annual spend.
HSBC Travelone includes golf benefits such as 4 complimentary rounds and 12 coaching lessons annually. Regalia Gold offers concierge services but no golf benefits.