HDFC Regalia Gold vs HDFC Pixel
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Regalia Gold wins 5-4. Mid-tier travel + dining without the Diners Black price tag HDFC Pixel is still the right call if gen z first card — fully digital, instant approval, customizable art..
Side-by-side
| Criterion | HDFC Regalia Gold | HDFC Pixel |
|---|---|---|
| Annual fee | · ₹2,500 | No annual fee |
| Joining fee | · ₹2,500 | None |
| Top reward rate | 25% (travel) | · 3% (shopping) |
| Base reward rate | 4% | · 1% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = Customizable card design + ₹250 voucher |
| Fee waiver threshold | ₹400,000 / yr | · N/A (no fee) |
| Min income | · ₹1,200,000 | ₹200,000 |
| Min credit score | · 770 | 700 |
| Editorial rating | 4.6/5 | · 4.2/5 |
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 Pixel
- 3% cashback on 2 chosen merchants (Swiggy/Zomato/Uber/Amazon/etc.)
- 1% on other spends
- Lifetime free
- Mobile-first app experience
- Dynamic CVV for security
FAQ
›HDFC Regalia Gold vs HDFC Pixel: which is better?
HDFC Regalia Gold 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, HDFC Pixel 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 Pixel: Customizable card design + ₹250 voucher.