HDFC Regalia Gold vs HDFC Infinia (Metal)
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Regalia Gold wins 6-3. Mid-tier travel + dining without the Diners Black 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 Regalia Gold | HDFC Infinia (Metal) |
|---|---|---|
| Annual fee | ₹2,500 | · ₹12,500 |
| Joining fee | ₹2,500 | · ₹12,500 |
| Top reward rate | · 25% (travel) | 33% (travel) |
| Base reward rate | 4% | · 3.3% |
| Forex markup | · 2% | 1.99% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = 12,500 reward points (offsets joining fee 1:1) |
| Fee waiver threshold | ₹400,000 / yr | · ₹1,000,000 / yr |
| Min income | ₹1,200,000 | · ₹4,000,000 |
| Min credit score | 770 | · 800 |
| Editorial rating | · 4.6/5 | 4.9/5 |
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
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
FAQ
›HDFC Regalia Gold vs HDFC Infinia (Metal): which is better?
HDFC Regalia Gold wins on more dimensions (6 vs 3). 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, HDFC Infinia (Metal) 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. HDFC Infinia (Metal): 12,500 reward points (offsets joining fee 1:1).