Hdfc Bank Regalia Gold Credit Card vs Infinia Metal Edition Hdfc Credit Card: Which is Better in 2026?
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The Hdfc Bank Regalia Gold Credit Card and the Infinia Metal Edition Hdfc Credit Card both offer premium benefits but cater to different spending patterns and budgets. Regalia Gold focuses on a balanced reward structure with milestone benefits and moderate fees, while Infinia Metal Edition targets high spenders with unlimited lounge access and golf privileges at a significantly higher fee. Both cards charge a 2% forex markup and offer distinct reward accelerators on select brands.
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 | Infinia Metal Edition Hdfc Credit Card |
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs. 2500 | Joining Fee of Rs.12500 |
| Annual / renewal fee | Renewal Fee of Rs. 2500 | Renewal Fee of Rs. 12500 |
| Annual fee waiver | Spend Rs.400000 For Renewal Fee Waiver | Spend Rs.10 Lakh For Renewal Fee Waiver |
| Reward rate (headline) | 5X Reward Points on spends at Reliance Digital | Earn 10X Reward Points on Jockey |
| Lounge — domestic | 3 Domestic Lounge Visits Per Calendar Quarter | Enjoy Unlimited Complimentary Lounge Visits in India |
| Lounge — international | 6 Complimentary Lounge Access Outside India | Enjoy Unlimited Complimentary International Lounge Visits |
| Welcome benefit | Complimentary MMT Black Gold Membership | Earn 12500 Reward Points As Welcome Benefit |
| Milestone benefit | Earn 10000 Rewards Points on Spend of Rs.5 Lakhs | — |
| Foreign currency markup | 2% - Foreign Currency Transactions | 2% - Foreign Currency Transactions |
Which is better for rewards?
The Infinia Metal Edition Hdfc Credit Card offers superior rewards for shoppers who spend on specific brands like Jockey, IGP.com, and Pharmeasy with 10X points, plus 5X points on flights and Apple. It also provides a welcome benefit of 12,500 reward points. In contrast, the Regalia Gold card offers 5X points on Myntra, Nykaa, Reliance Digital, and other categories, but with lower multipliers and milestone rewards. Therefore, Infinia is better suited for those seeking maximum rewards on niche spends, while Regalia Gold provides a more diverse but moderate rewards structure.
Which is better for travel?
Travel benefits are stronger with the Infinia Metal Edition card, which grants unlimited complimentary lounge access both domestically and internationally, along with a Club Marriott membership. Regalia Gold offers limited lounge visits—3 domestic per quarter and 6 international annually—and complimentary MMT Black Gold membership. The unlimited lounge access and additional golf privileges on Infinia make it more attractive for frequent travelers and luxury seekers.
Which has lower effective cost?
The Regalia Gold card has a significantly lower joining and renewal fee of Rs. 2,500, with a waiver on renewal fee after spending Rs. 4 lakhs. In contrast, Infinia Metal Edition charges Rs. 12,500 for joining and renewal, with a waiver threshold of Rs. 10 lakhs. For users mindful of cost, Regalia Gold is more accessible, while Infinia's high fees require a very high spend to justify the cost.
Golf Benefits
Infinia Metal Edition offers complimentary unlimited golf games and golf lessons, which are not available with Regalia Gold. This makes Infinia attractive for golf enthusiasts seeking premium lifestyle privileges.
Milestone Rewards
Regalia Gold provides milestone benefits such as flight vouchers and reward points on spending thresholds, whereas Infinia Metal Edition does not list milestone rewards. This can add value for users who prefer incremental benefits based on annual spends.
Who should pick Hdfc Bank Regalia Gold Credit Card?
Consider Hdfc Bank Regalia Gold Credit Card if you prefer a more affordable premium card with a good mix of rewards across popular shopping categories and moderate lounge access. It is suitable for users who want milestone benefits and fee waivers at a relatively lower spend threshold, making it a practical choice for those starting to explore premium credit cards.
Who should pick Infinia Metal Edition Hdfc Credit Card?
Consider Infinia Metal Edition Hdfc Credit Card if you are a high spender looking for unlimited lounge access in India and abroad, enhanced rewards on select brands, and additional luxury perks like complimentary golf games and lessons. This card suits frequent travelers and affluent users who can meet the high fee waiver criteria and want exclusive lifestyle benefits.
Frequently Asked Questions
Hdfc Bank Regalia Gold Credit Card charges Rs. 2,500 for joining and renewal, while Infinia Metal Edition Hdfc Credit Card charges Rs. 12,500 for both.
Infinia Metal Edition offers unlimited complimentary lounge visits both domestically and internationally, whereas Regalia Gold provides 3 domestic lounge visits per quarter and 6 international visits annually.
Both cards charge a 2% forex markup on foreign currency transactions.
Only Infinia Metal Edition offers a 1% fuel surcharge waiver effective from October 1, 2025; Regalia Gold does not provide any fuel surcharge waiver.
Infinia Metal Edition offers 10X points on brands like Jockey, IGP.com, and Pharmeasy, and 5X points on Nykaa and Apple. Regalia Gold offers 5X points on Myntra, Nykaa, Reliance Digital, Marks & Spencer, and grocery spends.
Infinia Metal Edition provides 12,500 reward points as a welcome benefit, while Regalia Gold offers complimentary MMT Black Gold and Swiggy One memberships upon meeting minimum spends.