Tata Neu Infinity HDFC vs HDFC Regalia
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Tata Neu Infinity HDFC wins 6-2. Tata ecosystem users — Croma, BigBasket, AirAsia, Westside, Taj HDFC Regalia is still the right call if mid-tier travel without the regalia gold price tag..
Side-by-side
| Criterion | Tata Neu Infinity HDFC | HDFC Regalia |
|---|---|---|
| Annual fee | ₹1,499 | · ₹2,500 |
| Joining fee | ₹1,499 | · ₹2,500 |
| Top reward rate | 5% (shopping) | · 2.7% (general) |
| Base reward rate | · 1.5% | 2.7% |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | = 1,499 NeuCoins on first spend (offsets joining fee) | = 2,500 reward points on first 90-day spend |
| Fee waiver threshold | = ₹300,000 / yr | = ₹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
Tata Neu Infinity HDFC
- 5% NeuCoins on Tata Neu app & partner brands (Croma, BigBasket, Westside, AirAsia)
- 1.5% NeuCoins on UPI and other transactions
- 8 complimentary domestic + 4 international lounge visits / year
- 1 NeuCoin = ₹1, redeemable at any Tata brand
- 1% fuel surcharge waiver (₹500/month cap)
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
›Tata Neu Infinity HDFC vs HDFC Regalia: which is better?
Tata Neu Infinity HDFC wins on more dimensions (6 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 Tata Neu Infinity HDFC 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?
Tata Neu Infinity HDFC: 1,499 NeuCoins on first spend (offsets joining fee). HDFC Regalia: 2,500 reward points on first 90-day spend.