Head-to-head · 🇮🇳 India
HDFC Regalia vs IndusInd Pinnacle
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Regalia
VISA
Wins 7 of 10
IN
Premium
IndusInd Bank
IndusInd Pinnacle
VISA
Wins 2 of 10
Verdict
HDFC Regalia wins 7-2. Mid-tier travel without the Regalia Gold price tag. IndusInd Pinnacle is still the right call if high-end indusind offering — niche but well-regarded..
Side-by-side
| Criterion | HDFC Regalia | IndusInd Pinnacle |
|---|---|---|
| Annual fee | ₹2,500 | · ₹12,999 |
| Joining fee | ₹2,500 | · ₹12,999 |
| Top reward rate | 2.7% (general) | · 2.5% (general) |
| Base reward rate | 2.7% | · 2.5% |
| Forex markup | · 2% | 1.8% |
| Welcome bonus | = 2,500 reward points on first 90-day spend | = Premium watch + 12,999 reward points |
| Fee waiver threshold | ₹300,000 / yr | · ₹1,000,000 / yr |
| Min income | ₹1,200,000 | · ₹2,500,000 |
| Min credit score | 770 | · 800 |
| Editorial rating | · 4.3/5 | 4.4/5 |
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
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 vs IndusInd Pinnacle: which is better?
HDFC Regalia wins on more dimensions (7 vs 2). 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, IndusInd Pinnacle 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. IndusInd Pinnacle: Premium watch + 12,999 reward points.