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BOBCARD Tiara vs HDFC Bank Regalia Gold Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the BOBCARD Tiara and the HDFC Bank Regalia Gold. Verify fees, lounge access, forex markup, and base rewards before you apply.

Tiara
Regalia Gold

The short answer

Verdict

Pick Tiara for lounge access.

Head-to-head

Three core metrics
  • Annual fee
    Tiara ₹2,499 Waivable at ₹2,50,000 spend
    Regalia Gold ₹2,500 Waivable at ₹4,00,000 or more spend
    Tiara saves ₹1/yr
  • Forex markup
    Tiara 2%
    Regalia Gold 2%
  • Domestic lounge
    Tiara Unlimited Conditional · Domestic: Unlimited · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
    Regalia Gold 12/year (3 per quarter) Conditional · Domestic: 3/quarter · requires ₹60,000 spend in the previous calendar quarter (unlocks the following quarter)
    Tiara has unlimited domestic visits

Reward earning explained

Per card
Tiara

3 pts / ₹100

Limited data
Regalia Gold

2.5 pts / ₹100 · 12.5 points/₹100 on eligible marks & Spencer, myntra, nykaa, and reliance Digital

Strong data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (BOBCARD Tiara: ₹2,499 vs HDFC Bank Regalia Gold: ₹2,500), forex markup (2% vs 2%), or lounge access (Unlimited vs 12/year (3 per quarter)).

  • Travel Tie

    Both cards are similar for travel

    Forex markup is 2%.

  • Forex markup Tie

    Both cards are similar for forex

    Forex markup is 2%.

  • Lounge access BOBCARD Tiara wins

    BOBCARD Tiara is better for lounge access

    BOBCARD Tiara is stronger here. BOBCARD Tiara offers unlimited domestic lounge visits versus 12 per year.

  • Rewards Insufficient data

    Insufficient data to compare rewards

    Available evidence is incomplete: BOBCARD Tiara is not safely INR-comparable (no usable point value). HDFC Bank Regalia Gold conservative base value ~0.375% per ₹100.

    Tiara: Limited data Regalia Gold: Strong data

View BOBCARD Tiara → View HDFC Bank Regalia Gold → See more rankings →

All fields

Example usage at this monthly spend

At ₹50k/month spend:

  • Regalia Gold: ~₹190/month at base rate
  • BOBCARD Tiara: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field Tiara BOBCARD Regalia Gold HDFC Bank
Insurance — Air accident cover
Only available for Regalia Gold
 Not specified ₹1 crore
Insurance — Emergency medical cover
Only available for Regalia Gold
 Not specified ₹15 lakh
Insurance — Lost card liability cover
Only available for Regalia Gold
 Not specified ₹9 lakh
Insurance — Underwriter
Only available for Regalia Gold
 Not specified Insured by HDFC ERGO General Insurance Company Limited
Lounge Access
Domestic lounge visits
spend-gated on some cards — see caveats
Unlimited vs 12/year (3 per quarter)
 Unlimited 12/year (3 per quarter)
International lounge visits
Only available for Regalia Gold
 Not specified 6 per year
Forex / International Use
Forex markup 2% 2%
Fees
Recurring annual fee
₹2,499 vs ₹2,500
 ₹2,499 ₹2,500
First-year cost
Only available for Regalia Gold
 Not specified ₹2,500
Annual-fee waiver
₹2,50,000 vs ₹4,00,000 or more
 ₹2,50,000 ₹4,00,000 or more
Monthly interest rate
Only available for BOBCARD Tiara
 3.75% / month Not specified
Late-payment charge
Only available for Regalia Gold
 Not specified ₹100–₹1,300 depending on outstanding balance
Fuel benefit
Surcharge waiver available · ₹400–₹5,000 transactions · ₹250/month waiver cap vs 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap · Fuel rewards excluded
 Surcharge waiver available · ₹400–₹5,000 transactions · ₹250/month waiver cap 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap · Fuel rewards excluded
Rewards
Points per ₹100
3 pts / ₹100 vs 2.5 pts / ₹100
 3 pts / ₹100 2.5 pts / ₹100
Conservative base value
Not safely INR-comparable vs ~0.4%
 Not safely INR-comparable ~0.4%
Earn ceiling
Not stated vs 50,000 points per statement cycle; at 2.5 pts / ₹100, this lane reaches the cap at ₹20,00,000 of eligible spend
 Not stated 50,000 points per statement cycle; at 2.5 pts / ₹100, this lane reaches the cap at ₹20,00,000 of eligible spend
Point value (headline channel)
Issuer headline rate at the travel/SmartBuy channel — not the lowest redemption option.
Only available for Regalia Gold
 Not specified ₹0.5
Point validity
Only available for Regalia Gold
 Not specified 2 years

Notes

  • BOBCARD Tiara Credit Card: Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
  • HDFC Regalia Gold Credit Card: Condition: ₹60,000 spend in the previous calendar quarter (unlocks the following quarter)
  • Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

Related comparisons

Next useful checks

BOBCARD Tiara

HDFC Bank Regalia Gold

Verify with issuer , opens external site
Data refreshed through 5 Sept 2026 moneymatters.cards Current Money Matters snapshot
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

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