Head-to-head · 🇮🇳 India
HDFC Regalia vs IDFC FIRST Wow
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Regalia
VISA
Wins 4 of 10
IN
IDFC FIRST Bank
IDFC FIRST Wow
VISA
Wins 5 of 10
Verdict
IDFC FIRST Wow wins 5-4. Secured card backed by FD — accessible to thin-credit-file applicants. HDFC Regalia is still the right call if mid-tier travel without the regalia gold price tag..
Side-by-side
| Criterion | HDFC Regalia | IDFC FIRST Wow |
|---|---|---|
| Annual fee | · ₹2,500 | No annual fee |
| Joining fee | · ₹2,500 | None |
| Top reward rate | 2.7% (general) | · 1% (general) |
| Base reward rate | 2.7% | · 1% |
| Forex markup | · 2% | No FX fee |
| Welcome bonus | = 2,500 reward points on first 90-day spend | = Lifetime free + 600 points on first transaction |
| Fee waiver threshold | ₹300,000 / yr | · N/A (no fee) |
| Min income | · ₹1,200,000 | — |
| Min credit score | · 770 | 600 |
| Editorial rating | 4.3/5 | · 4/5 |
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
IDFC FIRST Wow
- 1 reward point per ₹100 (no rate change cliff)
- Lifetime free, no annual fee
- 4 complimentary domestic lounge visits/quarter
- 1% fuel surcharge waiver
- Backed by FD: easy approval
FAQ
›HDFC Regalia vs IDFC FIRST Wow: which is better?
IDFC FIRST Wow 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, IDFC FIRST Wow 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. IDFC FIRST Wow: Lifetime free + 600 points on first transaction.