Head-to-head · 🇮🇳 India
AU Bank Zenith vs HDFC Regalia
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
AU Small Finance Bank
AU Bank Zenith
VISA
Wins 2 of 10
IN
HDFC Bank
HDFC Regalia
VISA
Wins 5 of 10
Verdict
HDFC Regalia wins 5-2. Mid-tier travel without the Regalia Gold price tag. AU Bank Zenith is still the right call if underrated mid-premium — punches above its fee tier..
Side-by-side
| Criterion | AU Bank Zenith | HDFC Regalia |
|---|---|---|
| Annual fee | · ₹7,500 | ₹2,500 |
| Joining fee | · ₹7,500 | ₹2,500 |
| Top reward rate | 10% (travel) | · 2.7% (general) |
| Base reward rate | · 2% | 2.7% |
| Forex markup | = 2% | = 2% |
| Welcome bonus | = 7,500 reward points + Vistara Premium Economy ticket | = 2,500 reward points on first 90-day spend |
| Fee waiver threshold | · ₹800,000 / yr | ₹300,000 / yr |
| Min income | = ₹1,200,000 | = ₹1,200,000 |
| Min credit score | · 780 | 770 |
| Editorial rating | 4.4/5 | · 4.3/5 |
Benefits compared
AU Bank Zenith
- 10 ZenPoints per ₹100 on travel + dining
- 2 ZenPoints per ₹100 on general spend
- 8 complimentary international lounge visits per quarter
- 12 complimentary domestic lounge visits / year
- Annual milestone: free domestic flight at ₹6L spend
- 4 free golf rounds/quarter at 250+ courses
HDFC Regalia
- 4 reward points per ₹150
- 12 domestic + 6 international lounge visits/year
- Low forex markup 2%
- Buy-1-get-1 BookMyShow tickets
- Milestone reward points at ₹1L, ₹5L
FAQ
›AU Bank Zenith vs HDFC Regalia: which is better?
HDFC Regalia wins on more dimensions (5 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use AU Bank Zenith for its best categories, HDFC Regalia for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
AU Bank Zenith: 7,500 reward points + Vistara Premium Economy ticket. HDFC Regalia: 2,500 reward points on first 90-day spend.