HDFC Regalia Gold vs HDFC Regalia
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Regalia Gold wins 3-1. Mid-tier travel + dining without the Diners Black price tag HDFC Regalia is still the right call if mid-tier travel without the regalia gold price tag..
Side-by-side
| Criterion | HDFC Regalia Gold | HDFC Regalia |
|---|---|---|
| Annual fee | = ₹2,500 | = ₹2,500 |
| Joining fee | = ₹2,500 | = ₹2,500 |
| Top reward rate | 25% (travel) | · 2.7% (general) |
| Base reward rate | 4% | · 2.7% |
| Forex markup | = 2% | = 2% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = 2,500 reward points on first 90-day spend |
| Fee waiver threshold | · ₹400,000 / yr | ₹300,000 / yr |
| Min income | = ₹1,200,000 | = ₹1,200,000 |
| Min credit score | = 770 | = 770 |
| 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
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 Regalia Gold vs HDFC Regalia: which is better?
HDFC Regalia Gold wins on more dimensions (3 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 Regalia 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 Regalia: 2,500 reward points on first 90-day spend.