Head-to-head · 🇮🇳 India
IDFC FIRST Select vs HDFC Regalia
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
IDFC FIRST Bank
IDFC FIRST Select
VISA
Wins 8 of 10
IN
HDFC Bank
HDFC Regalia
VISA
Wins 1 of 10
Verdict
IDFC FIRST Select wins 8-1. Lifetime-free with surprisingly strong reward earn rates. HDFC Regalia is still the right call if mid-tier travel without the regalia gold price tag..
Side-by-side
| Criterion | IDFC FIRST Select | HDFC Regalia |
|---|---|---|
| Annual fee | No annual fee | · ₹2,500 |
| Joining fee | None | · ₹2,500 |
| Top reward rate | 10% (shopping) | · 2.7% (general) |
| Base reward rate | 3% | · 2.7% |
| Forex markup | 1.99% | · 2% |
| Welcome bonus | = 600 reward points on ₹15K spend in first 90 days | = 2,500 reward points on first 90-day spend |
| Fee waiver threshold | · N/A (no fee) | ₹300,000 / yr |
| Min income | ₹600,000 | · ₹1,200,000 |
| Min credit score | 750 | · 770 |
| Editorial rating | 4.5/5 | · 4.3/5 |
Benefits compared
IDFC FIRST Select
- 10x reward points on ₹20K+ monthly spend
- 6x reward points on ₹20K below threshold
- 3x reward points on offline spend
- Lifetime free — no annual fee, ever
- 4 complimentary domestic + 2 international lounge visits per quarter
- 1% fuel surcharge waiver
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
FAQ
›IDFC FIRST Select vs HDFC Regalia: which is better?
IDFC FIRST Select wins on more dimensions (8 vs 1). 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 IDFC FIRST Select for its best categories, HDFC Regalia for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
IDFC FIRST Select: 600 reward points on ₹15K spend in first 90 days. HDFC Regalia: 2,500 reward points on first 90-day spend.