HDFC Regalia Gold vs RBL World Safari
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Regalia Gold wins 7-1. Mid-tier travel + dining without the Diners Black price tag RBL World Safari is still the right call if international travelers — best forex markup + lounge access combo..
Side-by-side
| Criterion | HDFC Regalia Gold | RBL World Safari |
|---|---|---|
| Annual fee | ₹2,500 | · ₹3,000 |
| Joining fee | ₹2,500 | · ₹3,000 |
| Top reward rate | 25% (travel) | · 10% (travel) |
| Base reward rate | 4% | · 2% |
| Forex markup | · 2% | No FX fee |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = 3,000 travel points + ₹3,000 MakeMyTrip voucher |
| Fee waiver threshold | ₹400,000 / yr | · ₹500,000 / yr |
| Min income | = ₹1,200,000 | = ₹1,200,000 |
| Min credit score | 770 | · 780 |
| 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
RBL World Safari
- 0% forex markup — uniquely zero
- 8 international Priority Pass visits/year (self + guest)
- Domestic lounge visits via DragonPass
- 5x reward points on travel + dining
- Travel insurance up to ₹2 crore
FAQ
›HDFC Regalia Gold vs RBL World Safari: which is better?
HDFC Regalia Gold wins on more dimensions (7 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, RBL World Safari 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. RBL World Safari: 3,000 travel points + ₹3,000 MakeMyTrip voucher.