HDFC Regalia Gold vs HSBC Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Regalia Gold wins 6-3. Mid-tier travel + dining without the Diners Black price tag HSBC Premier is still the right call if hsbc premier banking clients — no annual fee with relationship..
Side-by-side
| Criterion | HDFC Regalia Gold | HSBC Premier |
|---|---|---|
| Annual fee | · ₹2,500 | No annual fee |
| Joining fee | · ₹2,500 | None |
| Top reward rate | 25% (travel) | · 3% (travel) |
| Base reward rate | 4% | · 1% |
| Forex markup | · 2% | 1.99% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = 40,000 reward points on Premier banking opening |
| Fee waiver threshold | ₹400,000 / yr | · N/A (no fee) |
| Min income | ₹1,200,000 | · ₹4,000,000 |
| Min credit score | 770 | · 800 |
| 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
HSBC Premier
- 3 reward points per ₹100 on travel + dining
- 1 reward point per ₹100 on others
- Free for HSBC Premier clients (₹40L+ relationship)
- Unlimited international lounge visits via LoungeKey
- 1.99% forex markup
- Worldwide travel + emergency assistance
FAQ
›HDFC Regalia Gold vs HSBC Premier: which is better?
HDFC Regalia Gold wins on more dimensions (6 vs 3). 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, HSBC Premier 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. HSBC Premier: 40,000 reward points on Premier banking opening.