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 user profiles. Regalia Gold provides a balanced mix of rewards across lifestyle and utility spends with milestone flight vouchers, while Infinia Metal Edition focuses on high-value travel rewards and unlimited lounge access. Fee structures and lounge privileges vary significantly, making each suitable for distinct spending habits.
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 Myntra | Earn 5X Reward Points on Flights |
| Lounge — domestic | 12 Complimentary Airport Lounge Access | Enjoy Unlimited Complimentary Lounge Visits in India |
| Lounge — international | 6 Complimentary Lounge Access Outside India | Enjoy Unlimited Complimentary International Lounge Visits |
| Welcome benefit | Avail Gift Voucher Worth Rs.2500 | Earn 12500 Reward Points As Welcome Benefit |
| Milestone benefit | Earn 15000 Rewards Points on Spend of Rs.8 Lakhs; 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 frequent flyers and premium shoppers, with 5X points on flights and select brands like Apple and Nykaa, plus a welcome benefit of 12,500 points. Regalia Gold also provides strong rewards, including 5X points on Myntra, Nykaa, and Reliance Digital, and milestone bonuses, but its reward rates on general spends are lower. Additionally, Infinia allows redemption of points at a higher value for Apple products and travel airmiles, making it more rewarding for premium users.
Which is better for travel?
Infinia Metal Edition stands out for travel benefits with unlimited complimentary lounge access both domestically and internationally, along with a complimentary Marriott membership and golf privileges. Regalia Gold offers a limited number of complimentary lounges (12 domestic and 6 international) and flight vouchers on milestone spends, which may suit moderate travelers. Overall, Infinia is better suited for frequent travelers seeking extensive lounge access and premium memberships.
Which has lower effective cost?
Regalia Gold has a significantly lower joining and renewal fee of Rs. 2,500, with a waiver on renewal if you spend Rs. 4 lakhs annually. In contrast, Infinia Metal Edition charges Rs. 12,500 for joining and renewal, with a waiver only after spending Rs. 10 lakhs. For users mindful of fees and moderate spending, Regalia Gold is more cost-effective, while Infinia suits high spenders who can justify the higher fees through premium benefits.
Lounge Access Comparison
Regalia Gold offers a capped number of complimentary lounges (12 domestic and 6 international), making it suitable for occasional travelers. Infinia Metal Edition provides unlimited lounge visits both in India and internationally, catering to frequent travelers who value unrestricted access.
Milestone and Welcome Benefits
Regalia Gold features milestone benefits including flight vouchers on spends of Rs. 5 lakhs and above, plus a welcome gift voucher worth Rs. 2,500. Infinia Metal Edition offers a substantial welcome reward of 12,500 points but does not have milestone benefits, focusing instead on ongoing high reward rates.
Golf Privileges
Infinia Metal Edition includes complimentary golf games and lessons, adding value for golf enthusiasts. Regalia Gold does not offer golf-related benefits.
Who should pick Hdfc Bank Regalia Gold Credit Card?
Consider Hdfc Bank Regalia Gold Credit Card if you prefer a lower fee card with a good mix of rewards on lifestyle and utility spends, along with milestone flight vouchers. It is suitable for moderate spenders who want some lounge access and welcome benefits without a very high annual commitment.
Who should pick Infinia Metal Edition Hdfc Credit Card?
Consider Infinia Metal Edition Hdfc Credit Card if you are a high spender looking for premium travel benefits including unlimited lounge access worldwide, high reward rates on flights and select brands, plus exclusive golf privileges. This card suits frequent travelers and luxury lifestyle users who can leverage its extensive perks despite the higher fees.
Frequently Asked Questions
Hdfc Bank Regalia Gold Credit Card charges Rs. 2,500 for joining and renewal, with a waiver on renewal if you spend Rs. 4 lakhs annually. Infinia Metal Edition Hdfc Credit Card charges Rs. 12,500 for both joining and renewal, with a waiver on renewal after spending Rs. 10 lakhs.
Infinia Metal Edition offers unlimited complimentary lounge visits in India and internationally, while Regalia Gold provides 12 domestic and 6 international complimentary lounge accesses.
Regalia Gold offers milestone benefits including reward points and flight vouchers on spends of Rs. 5 lakhs and above. Infinia Metal Edition does not provide milestone benefits.
Both cards have a forex markup fee of 2% on foreign currency transactions.
Regalia Gold provides a gift voucher worth Rs. 2,500 as a welcome benefit, while Infinia Metal Edition offers 12,500 reward points upon joining.
Infinia Metal Edition includes complimentary golf games and lessons. Regalia Gold does not offer golf benefits but provides complimentary memberships like MMT Black Gold and Swiggy One on meeting spend criteria.