Head-to-head · 🇮🇳 India
HDFC Regalia vs HDFC Pixel
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Regalia
VISA
Wins 4 of 10
IN
HDFC Bank
HDFC Pixel
VISA
Wins 5 of 10
Verdict
HDFC Pixel wins 5-4. Gen Z first card — fully digital, instant approval, customizable art. HDFC Regalia is still the right call if mid-tier travel without the regalia gold price tag..
Side-by-side
| Criterion | HDFC Regalia | HDFC Pixel |
|---|---|---|
| Annual fee | · ₹2,500 | No annual fee |
| Joining fee | · ₹2,500 | None |
| Top reward rate | · 2.7% (general) | 3% (shopping) |
| Base reward rate | 2.7% | · 1% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points on first 90-day spend | = Customizable card design + ₹250 voucher |
| Fee waiver threshold | ₹300,000 / yr | · N/A (no fee) |
| Min income | · ₹1,200,000 | ₹200,000 |
| Min credit score | · 770 | 700 |
| Editorial rating | 4.3/5 | · 4.2/5 |
Benefits compared
HDFC Regalia
- 4 reward points per ₹150
- 12 domestic + 6 international lounge visits/year
- Low forex markup 2%
- Buy-1-get-1 BookMyShow tickets
- Milestone reward points at ₹1L, ₹5L
HDFC Pixel
- 3% cashback on 2 chosen merchants (Swiggy/Zomato/Uber/Amazon/etc.)
- 1% on other spends
- Lifetime free
- Mobile-first app experience
- Dynamic CVV for security
FAQ
›HDFC Regalia vs HDFC Pixel: which is better?
HDFC Pixel 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 for its best categories, HDFC Pixel for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Regalia: 2,500 reward points on first 90-day spend. HDFC Pixel: Customizable card design + ₹250 voucher.