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Regalia vs Regalia Gold – Full comparison

Both cards verified with issuer

Regalia source Regalia Gold source

Forex costs are a key difference

Key differences

Best forex Regalia Gold 2%
Best lounge Regalia Gold 12/year lounge

Spend context

At ₹50k/month spend:

  • Regalia: ~₹670/month at base rate
  • Regalia Gold: ~₹670/month at base rate

Approximate, based on base rates (before caps).

Regalia HDFC Regalia Gold HDFC
Lounge Access
Domestic lounge visits
spend-gated on some cards — see caveats
2/quarter vs 3/quarter
 2/quarter 3/quarter
International lounge visits
No difference
 6/year 6/year
Forex / International Use
Forex markup
Source agreement differs — verify both.
3.5% vs 2%
 3.5% 2%
Fees
Annual fee
No difference
 ₹2,500 ₹2,500
Joining fee
No difference
 ₹2,500 ₹2,500
Fee waiver spend
No difference
 ₹3,00,000 ₹3,00,000
Rewards
Points per ₹150
No difference
 4 pts 4 pts
Point cash value
No difference
 ₹0.5 ₹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.
Source: issuer websites + manual verification · Last verified 20 April 2026
Important

Data is compiled from issuer and public sources. Always verify with the issuer before applying.