HDFC Regalia Gold vs IndusInd Pinnacle
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Regalia Gold wins 8-1. Mid-tier travel + dining without the Diners Black price tag IndusInd Pinnacle is still the right call if high-end indusind offering — niche but well-regarded..
Side-by-side
| Criterion | HDFC Regalia Gold | IndusInd Pinnacle |
|---|---|---|
| Annual fee | ₹2,500 | · ₹12,999 |
| Joining fee | ₹2,500 | · ₹12,999 |
| Top reward rate | 25% (travel) | · 2.5% (general) |
| Base reward rate | 4% | · 2.5% |
| Forex markup | · 2% | 1.8% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = Premium watch + 12,999 reward points |
| Fee waiver threshold | ₹400,000 / yr | · ₹1,000,000 / yr |
| Min income | ₹1,200,000 | · ₹2,500,000 |
| Min credit score | 770 | · 800 |
| Editorial rating | 4.6/5 | · 4.4/5 |
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
IndusInd Pinnacle
- 2.5 reward points per ₹100
- Unlimited domestic + 6 international lounge visits/quarter
- BMW Drive privilege
- Concierge + golf at 250+ courses
- 1.8% forex markup
FAQ
›HDFC Regalia Gold vs IndusInd Pinnacle: which is better?
HDFC Regalia Gold wins on more dimensions (8 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, IndusInd Pinnacle 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. IndusInd Pinnacle: Premium watch + 12,999 reward points.