HDFC Regalia Gold vs HDFC Marriott Bonvoy
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Regalia Gold wins 7-1. Mid-tier travel + dining without the Diners Black price tag HDFC Marriott Bonvoy is still the right call if marriott loyalists — every ₹150 = 8 bonvoy points on marriott + 2 elsewhere..
Side-by-side
| Criterion | HDFC Regalia Gold | HDFC Marriott Bonvoy |
|---|---|---|
| Annual fee | ₹2,500 | · ₹3,000 |
| Joining fee | ₹2,500 | · ₹3,000 |
| Top reward rate | 25% (travel) | · 8% (travel) |
| Base reward rate | 4% | · 2% |
| Forex markup | · 2% | 1.99% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = 1 free night at any Marriott property + Marriott Bonvoy Silver Elite status |
| Fee waiver threshold | ₹400,000 / yr | · ₹800,000 / yr |
| Min income | ₹1,200,000 | · ₹1,500,000 |
| Min credit score | = 770 | = 770 |
| Editorial rating | 4.6/5 | · 4.5/5 |
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 Marriott Bonvoy
- 8 Bonvoy points per ₹150 on Marriott
- 4 Bonvoy points per ₹150 on travel + dining
- 2 Bonvoy points per ₹150 on everything else
- 1 free night annually at Marriott (up to 15K Bonvoy point value)
- Marriott Bonvoy Silver Elite status (15 elite night credits)
- 8 international + 8 domestic lounge visits/year
FAQ
›HDFC Regalia Gold vs HDFC Marriott Bonvoy: which is better?
HDFC Regalia Gold wins on more dimensions (7 vs 1). 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 Marriott Bonvoy 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 Marriott Bonvoy: 1 free night at any Marriott property + Marriott Bonvoy Silver Elite status.