HDFC Regalia Gold vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
AU Bank LIT wins 5-4. India's first customizable card — choose your perks each month. HDFC Regalia Gold is still the right call if mid-tier travel + dining without the diners black price tag.
Side-by-side
| Criterion | HDFC Regalia Gold | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹2,500 | No annual fee |
| Joining fee | · ₹2,500 | None |
| Top reward rate | 25% (travel) | · 1% (general) |
| Base reward rate | 4% | · 1% |
| Forex markup | · 2% | 1.99% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹400,000 / yr | · N/A (no fee) |
| Min income | · ₹1,200,000 | ₹300,000 |
| Min credit score | · 770 | 730 |
| Editorial rating | 4.6/5 | · 4.3/5 |
Benefits compared
HDFC Regalia Gold
- 5x reward points on travel + dining via SmartBuy
- 4 complimentary international lounge visits per year (Priority Pass)
- 12 complimentary domestic lounge visits per year
- Annual memberships: Club Vistara Silver, MMT Black Elite
- Low forex markup: 2%
- Milestone benefits at ₹1.5L, ₹3L and ₹4L spend
AU Bank LIT
- Toggle between 4 benefit packs each month (cashback / travel / shopping / dining)
- 5x rewards on chosen category
- Lifetime free
- 4 domestic lounge visits/quarter
- 1% fuel surcharge waiver
FAQ
›HDFC Regalia Gold vs AU Bank LIT: which is better?
AU Bank LIT 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 Regalia Gold for its best categories, AU Bank LIT for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Regalia Gold: 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher. AU Bank LIT: Customizable card features (toggle benefits on/off).