HDFC Bank Regalia Gold Credit Card vs Pine Labs HDFC Bank Pro Credit Card: Which is Better in 2026?
vs
In short: Pine Labs HDFC Pro has the lower annual fee (₹1,000 vs ₹2,500); HDFC Regalia Gold has the lower forex markup (2% vs 3.5%).
| Key facts | HDFC Regalia Gold | Pine Labs HDFC Pro |
|---|---|---|
| Annual fee | ₹2,500 | ₹1,000 |
| Joining fee | ₹2,500 | ₹1,000 |
| Annual fee waived | On ₹4 lakh annual spend | On ₹1 lakh annual spend |
| Lounge access | Not listed | 8 airport lounge visits a year |
| Forex markup | 2% | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
Hdfc Bank Regalia Gold Credit Card and Pine Labs Hdfc Bank Pro Credit Card both offer distinct benefits catering to different user preferences. Regalia Gold emphasizes premium travel perks and high reward points on select shopping brands, while Pine Labs Pro focuses on a lower fee structure with flexible reward redemption options and more domestic lounge access. Your choice depends on whether you prioritize luxury travel benefits or cost-effective rewards and lounge visits.
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 | Pine Labs Hdfc Bank Pro Credit Card |
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs. 2500 | Joining Fee of Rs.1000 |
| Annual / renewal fee | Renewal Fee of Rs. 2500 | Renewal Fee of Rs.1000 |
| Annual fee waiver | Spend Rs.400000 For Renewal Fee Waiver | Spend Rs.1 Lakhs For Renewal Fee Waiver |
| Reward rate (headline) | Earn 5 Rewards Points For Every Rs.200 | Earn 4 Reward Points per Rs.150 |
| Lounge — domestic | 3 Domestic Lounge Visits Per Calendar Quarter | 8 Complimentary Airport Lounge Access Per Year |
| Lounge — international | 6 Complimentary Lounge Access Outside India | — |
| Welcome benefit | Complimentary MMT Black Gold Membership | — |
| Milestone benefit | — | Earn 10000 Bonus Rewards Points; Earn 15000 Rewards Points on Spend of Rs.8 Lakhs |
| 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 higher reward rate of 5 points per Rs. 200 spent, with 5X points on popular brands like Marks & Spencer, Myntra, Nykaa, and Reliance Digital, making it more rewarding for lifestyle and shopping spends. Pine Labs Hdfc Bank Pro Credit Card offers 4 points per Rs. 150 spent with a maximum capping and includes milestone bonuses, but the overall reward rate and category-specific multipliers are less lucrative compared to Regalia Gold. Therefore, Regalia Gold is better suited for users looking for richer rewards on select brands.
Which is better for travel?
Regalia Gold stands out with 3 domestic lounge visits per calendar quarter and 6 international lounge accesses, plus complimentary memberships such as MMT Black Gold and Swiggy One, enhancing travel and lifestyle experiences. Pine Labs Pro offers 8 complimentary domestic lounge visits per year but lacks international lounge access and membership benefits. If international travel and premium memberships are important, Regalia Gold offers superior travel perks, while Pine Labs Pro is more modest but still valuable for frequent domestic travelers.
Which has lower effective cost?
Pine Labs Hdfc Bank Pro Credit Card has a significantly lower joining and renewal fee of Rs. 1000 each, with a renewal fee waiver on spending Rs. 1 lakh, making it more accessible and cost-effective for beginners or moderate spenders. Regalia Gold charges Rs. 2500 for joining and renewal, with a higher waiver threshold of Rs. 4 lakhs, which may suit high spenders who can leverage its premium benefits. For those mindful of fees and easier waiver criteria, Pine Labs Pro is the better option.
Reward Redemption Flexibility
Pine Labs Hdfc Bank Pro Credit Card offers multiple reward redemption options including travel airmiles, travel bookings, vouchers, and cashback, providing flexibility to users. Regalia Gold focuses more on earning points and milestone vouchers but does not specify varied redemption options.
Foreign Exchange Markup
Regalia Gold charges a 2% forex markup on foreign currency transactions, which is lower compared to Pine Labs Pro's 3.5%. This makes Regalia Gold more cost-effective for international spending.
Who should pick Hdfc Bank Regalia Gold Credit Card?
Consider Hdfc Bank Regalia Gold Credit Card if you prioritize premium travel benefits including international lounge access, complimentary memberships, and higher reward points on lifestyle brands. It is ideal for users with higher annual spends who can benefit from milestone vouchers and are looking for a luxury credit card experience.
Who should pick Pine Labs Hdfc Bank Pro Credit Card?
Consider Pine Labs Hdfc Bank Pro Credit Card if you prefer a lower fee credit card with easier renewal fee waiver criteria and more domestic lounge visits annually. It suits users who want flexible reward redemption options and moderate rewards on both offline and online spends without the need for international travel perks.
Frequently Asked Questions
Hdfc Bank Regalia Gold Credit Card has a joining and renewal fee of Rs. 2500 each, while Pine Labs Hdfc Bank Pro Credit Card charges Rs. 1000 for both joining and renewal.
Regalia Gold offers 3 domestic lounge visits per calendar quarter and 6 international lounge visits annually. Pine Labs Pro offers 8 domestic lounge visits per year but no international lounge access.
Regalia Gold provides complimentary memberships like MMT Black Gold and Swiggy One upon meeting minimum spend criteria. Pine Labs Pro does not offer any welcome benefits.
Regalia Gold charges a 2% forex markup on foreign currency transactions, whereas Pine Labs Pro charges a higher 3.5% forex markup.
Regalia Gold offers milestone benefits such as flight vouchers and shopping vouchers on meeting specific annual and quarterly spends. Pine Labs Pro offers bonus reward points as milestones on spending Rs. 8 lakhs annually.
Pine Labs Hdfc Bank Pro Credit Card is better suited for beginners due to its lower fees, easier fee waiver criteria, and straightforward rewards.