Head-to-head · 🇮🇳 India
HDFC Regalia vs Standard Chartered Ultimate
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Regalia
VISA
Wins 6 of 10
IN
Premium
Standard Chartered
Standard Chartered Ultimate
VISA
Wins 3 of 10
Verdict
HDFC Regalia wins 6-3. Mid-tier travel without the Regalia Gold price tag. Standard Chartered Ultimate is still the right call if best general earn-rate at the ₹5k fee tier..
Side-by-side
| Criterion | HDFC Regalia | Standard Chartered Ultimate |
|---|---|---|
| Annual fee | ₹2,500 | · ₹5,000 |
| Joining fee | ₹2,500 | · ₹5,000 |
| Top reward rate | · 2.7% (general) | 3.3% (general) |
| Base reward rate | · 2.7% | 3.3% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points on first 90-day spend | = 6,000 reward points + ₹1,000 voucher |
| Fee waiver threshold | ₹300,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹1,200,000 | · ₹1,500,000 |
| Min credit score | 770 | · 780 |
| 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
Standard Chartered Ultimate
- 5 reward points per ₹150 (effectively 3.3%)
- 4 complimentary international lounge visits/year
- BookMyShow buy-1-get-1
- 1% fuel surcharge waiver
- Comprehensive travel + purchase insurance
FAQ
›HDFC Regalia vs Standard Chartered Ultimate: which is better?
HDFC Regalia wins on more dimensions (6 vs 3). 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, Standard Chartered Ultimate 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. Standard Chartered Ultimate: 6,000 reward points + ₹1,000 voucher.