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In short: HDFC Regalia Gold has the lower annual fee (₹2,500 vs ₹12,500); HDFC Regalia Gold includes 3 airport lounge visits a quarter, HDFC Infinia Metal Edition unlimited domestic & international lounge access; both charge a 2% forex markup.
| Key facts | HDFC Regalia Gold | HDFC Infinia Metal Edition |
|---|---|---|
| Annual fee | ₹2,500 | ₹12,500 |
| Joining fee | ₹2,500 | ₹12,500 |
| Annual fee waived | On ₹4 lakh annual spend | On ₹10 lakh annual spend |
| Top reward rate | 5X reward points on Myntra, Reliance Digital, Nykaa and 1 more | 10X reward points on SmartBuy, IGP.com, Jockey and 1 more |
| Base rewards | 5 reward points For Every ₹200 | 5 Reward Points For Every ₹150 Spent |
| Lounge access | 3 airport lounge visits a quarter | Unlimited domestic & international lounge access |
| Forex markup | 2% | 2% |
From issuer benefit data, checked 4 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, HDFC Infinia Metal Edition returns about ₹8,200 more a year after annual fees (₹26,000 vs ₹7,800 in rewards).
| Spend profile | HDFC Regalia Gold | HDFC Infinia Metal Edition |
|---|---|---|
| Reward value: top rate / base rate | 8.13% / 1.63% | 33.33% / 3.33% |
| ₹20,000 a month, all general spends | ₹3,900 | ₹8,000 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹7,800 | ₹26,000 |
| Annual fee | ₹2,500 | ₹12,500 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
Hdfc Bank Regalia Gold Credit Card and Infinia Metal Edition Hdfc Credit Card both offer premium benefits with distinct focuses. Regalia Gold emphasizes shopping rewards and milestone vouchers, while Infinia Metal Edition delivers higher reward rates and unlimited lounge access. Your choice depends on whether you prioritize accelerated rewards and travel perks or milestone benefits and moderate fees.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| 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 |
| Top reward rate | 5X reward points on Myntra, Reliance Digital, Nykaa and 1 more | 10X reward points on SmartBuy, IGP.com, Jockey and 1 more |
| Base rate (other spends) | Earn 5 Rewards Points For Every Rs.200 | Earn 5 Reward Points For Every Rs.150 Spent |
| 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 |
| Fuel surcharge waiver | — | 1% Fuel Surcharge Waiver |
| Welcome benefit | Complimentary MMT Black Gold Membership | Earn 12500 Reward Points As Welcome Benefit |
| Milestone benefit | Get Rs.1500 Vouchers on Spend Rs.150000; Get Rs.5000 Additional Flight Vouchers on Spend Rs.7.5 Lakhs | — |
| Foreign currency markup | 2% - Foreign Currency Transactions | 2% - Foreign Currency Transactions |
Infinia Metal Edition Hdfc Credit Card clearly leads in rewards, offering 10X points on select categories like SmartBuy and IGP.com, and a base rate of 5 points per Rs.150 spent. This translates to about Rs.26,000 in annual rewards at Rs.20,000 monthly spend, compared to Rs.7,800 for Regalia Gold. Regalia Gold's top rate is 5X on brands like Myntra and Nykaa, with a base rate of 5 points per Rs.200. If maximizing reward points is your priority, Infinia Metal Edition provides significantly better value.
For travel benefits, Infinia Metal Edition offers unlimited complimentary lounge access both domestically and internationally, along with a Club Marriott membership. Regalia Gold provides limited lounge visits—3 domestic per quarter and 6 international annually—and milestone flight vouchers on high spends. If frequent lounge access and premium travel memberships matter, Infinia Metal Edition is superior. Regalia Gold’s travel perks are more milestone-based and less flexible.
Regalia Gold has a lower joining and renewal fee of Rs.2,500 each, waived on Rs.4 lakh annual spend, making it more accessible cost-wise. Infinia Metal Edition charges Rs.12,500 for joining and renewal, waived only after Rs.10 lakh spend, reflecting its ultra-premium positioning. Both have a 2% forex markup, but Infinia Metal Edition offers a 1% fuel surcharge waiver, not listed for Regalia Gold. If minimizing fees or spending thresholds is important, Regalia Gold is more affordable.
Infinia Metal Edition offers a top reward rate of 10X points on select brands and a base rate of 5 points per Rs.150 spent, yielding about Rs.26,000 annually at Rs.20,000 monthly spend. Regalia Gold’s top rate is 5X with a base rate of 5 points per Rs.200, resulting in about Rs.7,800 annually. This large difference highlights Infinia’s advantage for heavy spenders.
Infinia Metal Edition provides unlimited complimentary lounge visits both in India and internationally, enhancing travel convenience. Regalia Gold limits domestic lounge access to 3 visits per calendar quarter and 6 international visits annually, which may suffice for occasional travelers but less so for frequent flyers.
Regalia Gold waives its Rs.2,500 renewal fee on Rs.4 lakh annual spend, a relatively achievable target. Infinia Metal Edition requires Rs.10 lakh annual spend to waive its Rs.12,500 renewal fee, reflecting its premium segment focus. This difference impacts the effective cost depending on your annual spend.
Consider Hdfc Bank Regalia Gold Credit Card if you want a lower fee card with good shopping rewards at brands like Myntra and Nykaa, plus milestone flight vouchers. It suits users who prefer moderate fees and milestone benefits over unlimited lounge access or extremely high reward rates.
Consider Infinia Metal Edition Hdfc Credit Card if you seek the highest reward points on travel, shopping, and lifestyle spends, along with unlimited domestic and international lounge access. It is ideal for high spenders who want premium travel perks and concierge services and can justify the higher fees with the rewards earned.
Hdfc Bank Regalia Gold Credit Card has joining and renewal fees of Rs.2,500 each, waived on Rs.4 lakh annual spend. Infinia Metal Edition Hdfc Credit Card charges Rs.12,500 for both, waived on Rs.10 lakh spend.
Infinia Metal Edition offers unlimited complimentary lounge visits domestically and internationally. Regalia Gold provides 3 domestic lounge visits per calendar quarter and 6 international visits annually.
Both cards charge a 2% forex markup on foreign currency transactions.
Infinia Metal Edition offers a 1% fuel surcharge waiver. This benefit is not listed in our data for Regalia Gold.
Infinia Metal Edition offers 10X reward points on select brands like SmartBuy and IGP.com. Regalia Gold offers 5X points on brands such as Myntra, Nykaa, and Reliance Digital.
Regalia Gold provides milestone vouchers including Rs.1,500 quarterly vouchers and flight vouchers on spends of Rs.5 lakh and Rs.7.5 lakh. Infinia Metal Edition does not list milestone benefits in our data.