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Privilege vs Regalia Gold – Full comparison
Both cards verified with issuer
Privilege source Regalia Gold sourceForex costs are a key difference
Key differences
Best forex Regalia Gold 2%
Lowest fee Privilege ₹1,500
Best lounge Regalia Gold 12/year lounge
Spend context
At ₹50k/month spend:
- Privilege: ~₹1,600/month at base rate
- Regalia Gold: ~₹670/month at base rate
Approximate, based on base rates (before caps).
| Privilege AXIS | Regalia Gold HDFC | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 8/year vs 3/quarter | 8/year | 3/quarter |
| International lounge visits Only available for Regalia Gold | Varies by variant | 6/year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 3.5% vs 2% | 3.5% | 2% |
| Fees | ||
| Annual fee ₹1,500 vs ₹2,500 | ₹1,500 | ₹2,500 |
| Joining fee ₹1,500 vs ₹2,500 | ₹1,500 | ₹2,500 |
| Fee waiver spend Only available for Regalia Gold | Not clearly specified | ₹3,00,000 |
| Rewards | ||
| Reward points (base spend) 16 pts/₹100 vs 4 pts/₹150 | 16 pts/₹100 | 4 pts/₹150 |
| Point cash value ₹0.2 vs ₹0.5 | ₹0.2 | ₹0.5 |
Notes
- HDFC Regalia Gold Credit Card: Spend-gated in current HDFC policy; verify live eligibility in bank app
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
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Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.