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Infinia vs Regalia Gold – Full comparison
Both cards verified with issuer
Infinia source Regalia Gold sourceAnnual fee structure is a key difference
Key differences
Lowest fee Regalia Gold ₹2,500
Best lounge Infinia Unlimited lounge
Spend context
At ₹50k/month spend:
- Infinia: ~₹1,670/month at base rate
- Regalia Gold: ~₹670/month at base rate
Approximate, based on base rates (before caps).
| Infinia HDFC | Regalia Gold HDFC | |
|---|---|---|
| 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 | Varies by variant | 6/year |
| Forex / International Use | ||
| Forex markup No difference | 2% | 2% |
| Fees | ||
| Annual fee ₹12,500 vs ₹2,500 | ₹12,500 | ₹2,500 |
| Joining fee ₹12,500 vs ₹2,500 | ₹12,500 | ₹2,500 |
| Fee waiver spend ₹10,00,000 vs ₹3,00,000 | ₹10,00,000 | ₹3,00,000 |
| Rewards | ||
| Points per ₹150 5 pts vs 4 pts | 5 pts | 4 pts |
| Point cash value ₹1 vs ₹0.5 | ₹1 | ₹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.
Related compare links
- Infinia vs Diners Club Black HDFC vs HDFC
- Infinia vs Regalia HDFC vs HDFC
- Infinia vs Tata Neu Infinity HDFC Bank HDFC vs HDFC
- Regalia Gold vs Regalia HDFC vs HDFC
- Regalia Gold vs Tata Neu Infinity HDFC Bank HDFC vs HDFC
- Regalia Gold vs Millennia HDFC vs HDFC
Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.