HDFC Bank Regalia Gold Credit Card vs Paytm HDFC Bank Digital Credit Card: Which is Better in 2026?
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In short: Paytm HDFC Digital has the lower annual fee (₹149 vs ₹2,500); HDFC Regalia Gold has the lower forex markup (2% vs 3.5%).
| Key facts | HDFC Regalia Gold | Paytm HDFC Digital |
|---|---|---|
| Annual fee | ₹2,500 | ₹149 |
| Joining fee | ₹2,500 | ₹149 |
| Annual fee waived | On ₹4 lakh annual spend | On ₹25,000 annual spend |
| Forex markup | 2% | 3.5% |
From issuer benefit data, checked 23 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The Hdfc Bank Regalia Gold Credit Card and the Paytm Hdfc Bank Digital Credit Card cater to different user needs with distinct fee structures, rewards, and travel benefits. Regalia Gold offers premium lounge access and higher reward points on select categories, while the Paytm Digital card focuses on cashback with a low joining fee. Both cards have forex charges and renewal fee waivers but differ significantly in their milestone benefits and reward redemption options.
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 | Paytm Hdfc Bank Digital Credit Card |
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs. 2500 | Joining Fee of Rs.149 |
| Annual / renewal fee | Renewal Fee of Rs. 2500 | Renewal Fee of Rs.149 |
| Annual fee waiver | Spend Rs.400000 For Renewal Fee Waiver | Spend Rs.25000 For Renewal Fee Waiver |
| Reward rate (headline) | Earn 5 Rewards Points For Every Rs.200 | — |
| Lounge — domestic | 3 Domestic Lounge Visits Per Calendar Quarter | — |
| Lounge — international | 6 Complimentary Lounge Access Outside India | — |
| Welcome benefit | Complimentary MMT Black Gold Membership | Welcome Benefit - Rs.150 Cashback on First 2 Transaction |
| Foreign currency markup | 2% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
Which is better for rewards?
The Hdfc Bank Regalia Gold Credit Card provides a more robust rewards program with 5 reward points for every Rs. 200 spent and accelerated 5X points on popular brands like Marks & Spencer, Myntra, Nykaa, and Reliance Digital. It also offers various redemption options including travel, vouchers, and airmiles. In contrast, the Paytm Hdfc Bank Digital Credit Card offers cashback primarily through Cashpoints, with accelerated cashback on Paytm, Swiggy, and Uber, but lacks a traditional reward points system. Overall, Regalia Gold is better suited for users seeking higher value rewards and diverse redemption choices.
Which is better for travel?
Travel benefits strongly favor the Hdfc Bank Regalia Gold Credit Card, which includes 3 domestic lounge visits per quarter and 6 complimentary international lounge accesses, along with a complimentary MMT Black Gold Membership. The Paytm Hdfc Bank Digital Credit Card does not offer any lounge access or travel memberships. Therefore, for frequent travelers who value airport lounge access and travel-related perks, Regalia Gold is the superior option.
Which has lower effective cost?
The Paytm Hdfc Bank Digital Credit Card has a significantly lower joining and renewal fee of Rs. 149 compared to Rs. 2500 for the Regalia Gold card. The renewal fee waiver is also easier to achieve on the Paytm card with a Rs. 25,000 spend requirement versus Rs. 4,00,000 on Regalia Gold. However, the forex markup is higher on the Paytm card at 3.5% compared to 2% on Regalia Gold. Users prioritizing low upfront and renewal costs may prefer the Paytm card, while those willing to pay more for premium benefits might choose Regalia Gold.
Milestone Benefits
Hdfc Bank Regalia Gold Credit Card offers multiple milestone benefits including quarterly vouchers and significant flight vouchers on annual spends of Rs. 5 lakhs and Rs. 7.5 lakhs. The Paytm Hdfc Bank Digital Credit Card does not provide any milestone benefits, making Regalia Gold more rewarding for high spenders.
Forex Charges
Regalia Gold has a lower forex markup fee of 2% compared to 3.5% on the Paytm Digital card. This makes Regalia Gold more cost-effective for international transactions.
Reward Redemption Value
Regalia Gold offers reward points redeemable at up to Rs. 0.65 per point in the gold catalogue and Rs. 0.5 per point for travel, while Paytm Digital's cashback points redeem at Rs. 1 per Cashpoint for cashback but only Rs. 0.3 for travel and product catalogues. This highlights different value propositions depending on redemption preferences.
Who should pick Hdfc Bank Regalia Gold Credit Card?
Consider Hdfc Bank Regalia Gold Credit Card if you are a frequent traveler who values premium airport lounge access and a strong, versatile rewards program with accelerated points on popular shopping categories. It is also suitable if you can meet higher spend milestones to unlock flight vouchers and other milestone benefits, making it ideal for high spenders seeking luxury perks.
Who should pick Paytm Hdfc Bank Digital Credit Card?
Consider Paytm Hdfc Bank Digital Credit Card if you prefer a low-cost credit card with straightforward cashback benefits, especially if you frequently use Paytm, Swiggy, or Uber. This card is well-suited for beginners or those with moderate spending who want easy renewal fee waivers and simple cashback without the complexity of milestone spends or lounge access.
Frequently Asked Questions
Hdfc Bank Regalia Gold Credit Card charges Rs. 2500 for joining and renewal, with a waiver on renewal if you spend Rs. 4,00,000. Paytm Hdfc Bank Digital Credit Card charges Rs. 149 for joining and renewal, with a waiver if you spend Rs. 25,000.
Hdfc Bank Regalia Gold Credit Card offers 3 domestic lounge visits per quarter and 6 international lounge accesses annually. The Paytm Hdfc Bank Digital Credit Card does not offer any lounge access.
Regalia Gold offers complimentary MMT Black Gold and Swiggy One memberships upon meeting spend criteria. Paytm Digital offers Rs. 150 cashback on the first two transactions.
The forex markup fee is 2% for Hdfc Bank Regalia Gold Credit Card and 3.5% for Paytm Hdfc Bank Digital Credit Card.
Paytm Hdfc Bank Digital Credit Card offers a 1% fuel surcharge waiver effective from October 1, 2025. There is no fuel surcharge waiver mentioned for Regalia Gold.
Regalia Gold earns 5 reward points per Rs. 200 spent with accelerated 5X points on select brands and multiple redemption options. Paytm Digital offers cashback as Cashpoints with 2% cashback on Paytm, Swiggy, and Uber, redeemable primarily as cashback or travel points.