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 tailored for different spending patterns. Regalia Gold focuses on rewarding shopping and grocery spends with milestone vouchers, while Infinia Metal Edition emphasizes unlimited lounge access and higher reward points on select categories. Both cards have forex markup fees and fee waiver conditions tied to high annual spends.
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 Nykaa | Earn 10X Reward Points on IGP.com |
| 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 Swiggy One Membership | Earn 12500 Reward Points As Welcome Benefit |
| Foreign currency markup | 2% - Foreign Currency Transactions | 2% - Foreign Currency Transactions |
Which is better for rewards?
The Infinia Metal Edition Hdfc Credit Card provides superior rewards, offering 10X points on IGP.com and Pharmeasy, plus 5X points on flights, Apple, and Myntra, with higher caps on many categories. The Regalia Gold card offers 5X points on brands like Nykaa and Myntra but with lower caps and fewer categories. Overall, Infinia Metal Edition is better suited for maximizing reward points across diverse spends.
Which is better for travel?
Infinia Metal Edition clearly leads in travel benefits with unlimited complimentary domestic and international lounge access, plus a Club Marriott membership. Regalia Gold offers limited lounge visits per quarter and milestone flight vouchers on high spends. For frequent travelers seeking premium lounge access and travel perks, Infinia Metal Edition is more advantageous.
Which has lower effective cost?
Regalia Gold has a lower joining and renewal fee of Rs. 2500 compared to Infinia Metal Edition's Rs. 12500 fees. The fee waiver threshold is also lower for Regalia Gold at Rs. 4 lakhs versus Rs. 10 lakhs for Infinia. For those mindful of effective cost, Regalia Gold is more accessible, though Infinia's higher fees may be justified by its premium benefits for high spenders.
Lounge Access Comparison
Regalia Gold offers a limited number of complimentary domestic and international lounge visits per quarter, while Infinia Metal Edition provides unlimited complimentary lounge access both in India and abroad. This makes Infinia more suitable for frequent travelers who value lounge access without restrictions.
Milestone and Welcome Benefits
Regalia Gold provides milestone flight vouchers and quarterly spend-based vouchers, rewarding high spenders with tangible travel benefits. Infinia Metal Edition offers a substantial welcome reward of 12,500 points and a complimentary Club Marriott membership, focusing on luxury lifestyle perks rather than milestone rewards.
Golf Benefits
Infinia Metal Edition includes complimentary golf lessons and unlimited golf games with green fee waivers, appealing to 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 focused rewards on shopping and groceries, and if you value milestone flight vouchers and limited complimentary lounge visits. It's suitable for users who want premium perks without a very high annual spend 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 unlimited lounge access both domestically and internationally, higher reward points on diverse categories, and exclusive memberships like Club Marriott. This card suits frequent travelers and luxury seekers willing to pay a higher fee for premium privileges.
Frequently Asked Questions
Hdfc Bank Regalia Gold Credit Card has a joining and renewal fee of Rs. 2500 each, while Infinia Metal Edition Hdfc Credit Card charges Rs. 12,500 for both joining and renewal.
For Regalia Gold, spending Rs. 4 lakhs in a year waives the renewal fee. For Infinia Metal Edition, the renewal fee waiver requires a spend of Rs. 10 lakhs annually.
Infinia Metal Edition offers unlimited complimentary lounge visits domestically and internationally, whereas Regalia Gold provides limited lounge visits per calendar quarter.
Both cards have a forex markup fee of 2% on foreign currency transactions.
Regalia Gold offers complimentary Swiggy One and MMT Black Gold memberships as welcome benefits, while Infinia Metal Edition provides 12,500 reward points as a welcome benefit along with Club Marriott membership.
Regalia Gold offers 5X reward points on brands like Nykaa and Myntra and 5 points per Rs. 200 on groceries, while Infinia Metal Edition offers higher multipliers like 10X on IGP.com and Pharmeasy and 5X on Myntra, making Infinia better for diversified shopping rewards.