HDFC Regalia Gold vs IDFC FIRST Wealth
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IDFC FIRST Wealth wins 4-3. Lifetime-free premium — best zero-fee card in India. 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 | IDFC FIRST Wealth |
|---|---|---|
| Annual fee | · ₹2,500 | No annual fee |
| Joining fee | · ₹2,500 | None |
| Top reward rate | 25% (travel) | · 3% (general) |
| Base reward rate | 4% | · 3% |
| Forex markup | · 2% | 1.5% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = 5,000 reward points on first 90-day spend |
| Fee waiver threshold | ₹400,000 / yr | · N/A (no fee) |
| Min income | = ₹1,200,000 | = ₹1,200,000 |
| Min credit score | = 770 | = 770 |
| Editorial rating | · 4.6/5 | 4.7/5 |
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
IDFC FIRST Wealth
- 3x reward points on online spends (10x on weekends + travel)
- 4 international + 4 domestic lounge visits per quarter
- 1% fuel surcharge waiver
- Low forex markup at 1.5%
- Lifetime free — no annual fee, no fee-waiver math
FAQ
›HDFC Regalia Gold vs IDFC FIRST Wealth: which is better?
IDFC FIRST Wealth wins on more dimensions (4 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, IDFC FIRST Wealth 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. IDFC FIRST Wealth: 5,000 reward points on first 90-day spend.