Tata Neu Infinity HDFC vs HDFC Regalia Gold
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Tata Neu Infinity HDFC wins 5-4. Tata ecosystem users — Croma, BigBasket, AirAsia, Westside, Taj HDFC Regalia Gold is still the right call if mid-tier travel + dining without the diners black price tag.
Side-by-side
| Criterion | Tata Neu Infinity HDFC | HDFC Regalia Gold |
|---|---|---|
| Annual fee | ₹1,499 | · ₹2,500 |
| Joining fee | ₹1,499 | · ₹2,500 |
| Top reward rate | · 5% (shopping) | 25% (travel) |
| Base reward rate | · 1.5% | 4% |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | = 1,499 NeuCoins on first spend (offsets joining fee) | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher |
| Fee waiver threshold | ₹300,000 / yr | · ₹400,000 / yr |
| Min income | ₹600,000 | · ₹1,200,000 |
| Min credit score | 750 | · 770 |
| Editorial rating | · 4.5/5 | 4.6/5 |
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 Gold
- 5x reward points on travel + dining via SmartBuy
- 4 complimentary international lounge visits per year (Priority Pass)
- 12 complimentary domestic lounge visits per year
- Annual memberships: Club Vistara Silver, MMT Black Elite
- Low forex markup: 2%
- Milestone benefits at ₹1.5L, ₹3L and ₹4L spend
FAQ
›Tata Neu Infinity HDFC vs HDFC Regalia Gold: which is better?
Tata Neu Infinity HDFC 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 Tata Neu Infinity HDFC for its best categories, HDFC Regalia Gold 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 Gold: 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher.