HDFC Bank Regalia Gold Credit Card vs Shoppers Stop HDFC Bank Credit Card: Which is Better in 2026?
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In short: HDFC Shoppers Stop has the lower annual fee (₹299 vs ₹2,500); HDFC Regalia Gold has the lower forex markup (2% vs 3.5%).
| Key facts | HDFC Regalia Gold | HDFC Shoppers Stop |
|---|---|---|
| Annual fee | ₹2,500 | ₹299 |
| Joining fee | ₹2,500 | ₹299 |
| Annual fee waived | On ₹4 lakh annual spend | Not listed |
| Forex markup | 2% | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The Hdfc Bank Regalia Gold Credit Card and the Shoppers Stop Hdfc Bank Credit Card cater to different spending preferences. Regalia Gold is a premium card with higher fees, extensive lounge access, and strong rewards on diverse categories including travel and lifestyle. In contrast, the Shoppers Stop card focuses on retail benefits with a lower fee and rewards concentrated on Shoppers Stop purchases.
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 | Shoppers Stop Hdfc Bank Credit Card |
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs. 2500 | Joining Fee of Rs.299 |
| Annual / renewal fee | Renewal Fee of Rs. 2500 | Renewal Fee of Rs.299 |
| Annual fee waiver | Spend Rs.400000 For Renewal Fee Waiver | — |
| Reward rate (headline) | Earn 5 Rewards Points For Every Rs.200 | Earn 1% Reward Points on Every Non-Shoppers Stop Spends |
| 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 Gift Voucher Rs.500 From Shoppers Stop |
| Foreign currency markup | 2% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
Which is better for rewards?
The Hdfc Bank Regalia Gold Credit Card offers a more versatile and rewarding points system, with 5 reward points per Rs. 200 spent and 5X points on select brands like Marks & Spencer and Myntra. It also provides better redemption options with higher value per reward point for travel and vouchers. The Shoppers Stop card, while offering 3% rewards on Shoppers Stop spends, caps monthly rewards and provides lower redemption values, making it more suitable for frequent shoppers at Shoppers Stop rather than broad spending.
Which is better for travel?
For travel benefits, the Regalia Gold card clearly leads with complimentary domestic and international lounge access and additional travel-related vouchers on milestone spends. It also includes a complimentary MMT Black Gold Membership. The Shoppers Stop card lacks any lounge access or significant travel perks, focusing instead on retail rewards. Therefore, Regalia Gold is better suited for frequent travelers seeking premium travel privileges.
Which has lower effective cost?
The Shoppers Stop Hdfc Bank Credit Card has significantly lower joining and renewal fees at Rs. 299 each, with no stated waiver conditions, making it more accessible for beginners or low-frequency users. The Regalia Gold card charges Rs. 2500 for joining and renewal, with a waiver only after spending Rs. 4,00,000, which may be costly for moderate spenders. Hence, the Shoppers Stop card is more cost-effective for users with lower spending.
Reward Redemption Value
The Regalia Gold card offers better reward redemption rates, with up to Rs. 0.65 per reward point for catalogue redemptions and 0.5 Rs. per point for travel, compared to the Shoppers Stop card's maximum of Rs. 1 per point only when redeemed for Shoppers Stop vouchers, and lower values for travel and cashback. This makes Regalia Gold more flexible for users who want to maximize reward value across categories.
Fee Waiver Complexity
Regalia Gold requires an annual spend of Rs. 4,00,000 to waive the Rs. 2500 renewal fee, which may be challenging for some users. The Shoppers Stop card does not specify any fee waiver, but its lower fees reduce the impact of renewal costs. This difference is important for users considering the effective cost of ownership.
Who should pick Hdfc Bank Regalia Gold Credit Card?
Consider Hdfc Bank Regalia Gold Credit Card if you are a frequent traveler or a high spender looking for premium travel benefits, extensive lounge access, and strong reward points across multiple categories including lifestyle and groceries. It is suited for those who can leverage milestone vouchers and complimentary memberships to offset the higher fees.
Who should pick Shoppers Stop Hdfc Bank Credit Card?
Consider Shoppers Stop Hdfc Bank Credit Card if you primarily shop at Shoppers Stop and prefer a low-fee credit card with decent rewards on retail spends. This card is suitable for beginners or occasional users who want simple rewards and a welcome gift voucher without the burden of high fees or complex milestone requirements.
Frequently Asked Questions
Hdfc Bank Regalia Gold Credit Card charges Rs. 2500 for joining and renewal with a fee waiver on spending Rs. 4,00,000 annually. Shoppers Stop Hdfc Bank Credit Card charges Rs. 299 for joining and renewal with no stated waiver.
Hdfc Bank Regalia Gold Credit Card offers 3 domestic and 6 international lounge visits per year, complimentary MMT Black Gold membership, and milestone flight vouchers, whereas the Shoppers Stop card does not provide travel-related benefits.
Regalia Gold earns 5 reward points per Rs. 200 spent with 5X points on select brands, while Shoppers Stop card offers 3% rewards on Shoppers Stop spends and 1% on other spends, with monthly caps and lower redemption values.
Regalia Gold provides complimentary memberships like MMT Black Gold and Swiggy One after minimum spends, while the Shoppers Stop card offers a Rs. 500 welcome gift voucher redeemable at Shoppers Stop.
Hdfc Bank Regalia Gold Credit Card charges a 2% forex markup on foreign currency transactions, whereas the Shoppers Stop Hdfc Bank Credit Card charges a higher forex markup of 3.5%.
The Shoppers Stop card offers a 1% fuel surcharge waiver effective from October 1, 2025. The Regalia Gold card does not specify any fuel surcharge waiver.