HDFC Regalia Gold vs HDFC Swiggy
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Swiggy wins 5-4. Heavy Swiggy/Instamart users — 10% on the platform tops anything else. 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 Swiggy |
|---|---|---|
| Annual fee | · ₹2,500 | ₹500 |
| Joining fee | · ₹2,500 | ₹500 |
| Top reward rate | 25% (travel) | · 10% (dining) |
| Base reward rate | 4% | · 1% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = 3-month Swiggy One membership (₹1,499 value) |
| Fee waiver threshold | · ₹400,000 / yr | ₹200,000 / yr |
| Min income | · ₹1,200,000 | ₹360,000 |
| Min credit score | · 770 | 740 |
| 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 Swiggy
- 10% cashback on Swiggy (food, Instamart, Genie, Dineout)
- 5% cashback on online MCC merchants (Amazon, Flipkart, Myntra)
- 1% cashback on other spends
- Cashback auto-credited as Swiggy Money
- 1% fuel surcharge waiver
FAQ
›HDFC Regalia Gold vs HDFC Swiggy: which is better?
HDFC Swiggy 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 Swiggy 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 Swiggy: 3-month Swiggy One membership (₹1,499 value).