Which card has a lower forex fee: BOBCARD Tiara Credit Card or HDFC Regalia Gold Credit Card?

Both cards have the same forex markup (2%).

Which card has a lower annual fee: BOBCARD Tiara Credit Card or HDFC Regalia Gold Credit Card?

BOBCARD Tiara Credit Card has a lower annual fee (₹2,499 vs ₹2,500).

Which card offers better lounge access?

BOBCARD Tiara Credit Card: Unlimited domestic lounge access. HDFC Regalia Gold Credit Card: 3 per quarter domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

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.

Quick comparison

Three core metrics

Tiara BOBCARD

Annual fee ₹2,499 Waivable at ₹2,50,000 spend
Forex markup 2%
Domestic lounge Unlimited Conditional · Domestic: Unlimited · requires ₹40,000 spend in the previous calendar quarter

Regalia Gold HDFC Bank

Annual fee ₹2,500 Waivable at ₹4,00,000 spend
Forex markup 2%
Domestic lounge 3/quarter Conditional · Domestic: 3/quarter · requires ₹60,000 spend in the previous calendar quarter

Reward earning explained

Per card

Tiara

3 pts / ₹100 on General spend

Regalia Gold

12.5 pts / ₹100 on Marks & Spencer (domestic) + 12.5 pts / ₹100 on Myntra (dome…

Limited 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 3/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 Tie

Both cards are similar for lounge access

Domestic lounge access is unlimited. Domestic lounge access is 3 per quarter.
Rewards Insufficient data

Insufficient data to compare rewards

Only BOBCARD Tiara has comparable evidence here. Base earn is 3 pts per ₹100.

Regalia Gold: Limited data

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Regalia Gold: ~₹630/month at base rate
BOBCARD Tiara: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Tiara BOBCARD	Regalia Gold HDFC Bank
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats Unlimited vs 3/quarter	Unlimited	3/quarter
International lounge visits Only available for Regalia Gold	Not specified	6/year
Forex / International Use
Forex markup	2%	2%
Fees
Annual fee ₹2,499 vs ₹2,500	₹2,499	₹2,500
Joining fee ₹2,499 vs ₹2,500	₹2,499	₹2,500
Fee waiver spend ₹2,50,000 vs ₹4,00,000	₹2,50,000	₹4,00,000
Rewards
Points per ₹100 3 pts vs 2.5 pts	3 pts	2.5 pts
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

Some data has low confidence — verify with the issuer before relying on it.
HDFC Regalia Gold Credit Card: Spend ₹60,000+ in the preceding calendar quarter to unlock 3 visits in the next quarter
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.