Head-to-head · 🇮🇳 India
HDFC Regalia Gold vs HDFC Smart Pay
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
HDFC Bank
HDFC Regalia Gold
VISA
Wins 4 of 10
IN
HDFC Bank
HDFC Smart Pay
Wins 5 of 10
Verdict
HDFC Smart Pay wins 5-4. Lowest-fee credit card from HDFC — utility-only. 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 | HDFC Smart Pay |
|---|---|---|
| Annual fee | · ₹2,500 | ₹199 |
| Joining fee | · ₹2,500 | ₹199 |
| Top reward rate | 25% (travel) | · 1% (general) |
| Base reward rate | 4% | · 1% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = 500 CashPoints on activation |
| Fee waiver threshold | · ₹400,000 / yr | ₹20,000 / yr |
| Min income | · ₹1,200,000 | ₹180,000 |
| Min credit score | · 770 | 700 |
| Editorial rating | 4.6/5 | · 3.8/5 |
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 Smart Pay
- 1 CashPoint per ₹150 on retail
- 1% fuel surcharge waiver
- Auto-pay reminders
- Contactless payments
FAQ
›HDFC Regalia Gold vs HDFC Smart Pay: which is better?
HDFC Smart Pay 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 Smart Pay 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 Smart Pay: 500 CashPoints on activation.