Head-to-head · 🇮🇳 India
HDFC Regalia vs HDFC Smart Pay
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 Smart Pay
Wins 5 of 10
Verdict
HDFC Smart Pay wins 5-4. Lowest-fee credit card from HDFC — utility-only. HDFC Regalia is still the right call if mid-tier travel without the regalia gold price tag..
Side-by-side
| Criterion | HDFC Regalia | HDFC Smart Pay |
|---|---|---|
| Annual fee | · ₹2,500 | ₹199 |
| Joining fee | · ₹2,500 | ₹199 |
| Top reward rate | 2.7% (general) | · 1% (general) |
| Base reward rate | 2.7% | · 1% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points on first 90-day spend | = 500 CashPoints on activation |
| Fee waiver threshold | · ₹300,000 / yr | ₹20,000 / yr |
| Min income | · ₹1,200,000 | ₹180,000 |
| Min credit score | · 770 | 700 |
| Editorial rating | 4.3/5 | · 3.8/5 |
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 Smart Pay
- 1 CashPoint per ₹150 on retail
- 1% fuel surcharge waiver
- Auto-pay reminders
- Contactless payments
FAQ
›HDFC Regalia vs HDFC Smart Pay: which is better?
HDFC Smart Pay 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 Smart Pay 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 Smart Pay: 500 CashPoints on activation.