HDFC Infinia (Metal) vs HDFC Regalia
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Regalia wins 5-4. Mid-tier travel without the Regalia Gold price tag. HDFC Infinia (Metal) is still the right call if top-tier travelers — invitation-only, the apex of hdfc reward redemption..
Side-by-side
| Criterion | HDFC Infinia (Metal) | HDFC Regalia |
|---|---|---|
| Annual fee | · ₹12,500 | ₹2,500 |
| Joining fee | · ₹12,500 | ₹2,500 |
| Top reward rate | 33% (travel) | · 2.7% (general) |
| Base reward rate | 3.3% | · 2.7% |
| Forex markup | 1.99% | · 2% |
| Welcome bonus | = 12,500 reward points (offsets joining fee 1:1) | = 2,500 reward points on first 90-day spend |
| Fee waiver threshold | · ₹1,000,000 / yr | ₹300,000 / yr |
| Min income | · ₹4,000,000 | ₹1,200,000 |
| Min credit score | · 800 | 770 |
| Editorial rating | 4.9/5 | · 4.3/5 |
Benefits compared
HDFC Infinia (Metal)
- Unlimited international + domestic lounge access (self + guest)
- 10x reward points on SmartBuy partners
- Free annual Club Marriott + Club Vistara Gold
- Concierge 24x7
- 2% forex markup
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
›HDFC Infinia (Metal) vs HDFC Regalia: which is better?
HDFC Regalia wins on more dimensions (5 vs 4). 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 HDFC Infinia (Metal) 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?
HDFC Infinia (Metal): 12,500 reward points (offsets joining fee 1:1). HDFC Regalia: 2,500 reward points on first 90-day spend.