Which card has a lower forex fee: HDFC Regalia Credit Card or IndianOil RBL Bank XTRA Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: HDFC Regalia Credit Card or IndianOil RBL Bank XTRA Credit Card?

IndianOil RBL Bank XTRA Credit Card has a lower annual fee (₹1,500 vs ₹2,500).

Which card offers better lounge access?

HDFC Regalia Credit Card: 2 per quarter domestic + 6 per year international. IndianOil RBL Bank XTRA Credit Card: No complimentary lounge access.

Which card has a higher base reward rate?

Both cards have similar base reward value (~1%).

Pairwise comparison Compare 3+ cards →

HDFC Bank Regalia vs RBL Bank IndianOil RBL Bank XTRA Credit Cards – Fees, Lounge, Forex

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

Lounge HDFC Bank Regalia Rewards RBL Bank IndianOil RBL Bank XTRA

Quick comparison

Three core metrics

Regalia HDFC Bank

Annual fee ₹2,500 Waivable at ₹3,00,000 spend
Forex markup 3.5%
Domestic lounge 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹1,00,000 spend in the previous calendar quarter

IndianOil RBL Bank XTRA RBL Bank

Annual fee ₹1,500 Waivable at ₹2,75,000 spend
Forex markup 3.5%
Domestic lounge No complimentary lounge access

Reward earning explained

Per card

Regalia

2 pts / ₹100

Limited data

IndianOil RBL Bank XTRA

1% · Up to 15 Fuel Points / ₹100 on IndianOil

Limited data

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Regalia: ₹2,500 vs RBL Bank IndianOil RBL Bank XTRA: ₹1,500), forex markup (3.5% vs 3.5%), or lounge access (8/year (2 per quarter) vs No complimentary lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access HDFC Bank Regalia wins

HDFC Bank Regalia is better for lounge access

HDFC Bank Regalia is stronger here. Domestic lounge access is 2 per quarter.
Rewards RBL Bank IndianOil RBL Bank XTRA wins

RBL Bank IndianOil RBL Bank XTRA is better for rewards

RBL Bank IndianOil RBL Bank XTRA is stronger here. RBL Bank IndianOil RBL Bank XTRA conservative base value ~1% vs HDFC Bank Regalia's ~0.3%.

HDFC Bank Regalia

Confidence: Low (limited information available)

Verify with issuer

RBL Bank IndianOil RBL Bank XTRA

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

IndianOil RBL Bank XTRA: ~₹500/month at base rate
Regalia: ~₹150/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Regalia HDFC Bank	IndianOil RBL Bank XTRA RBL Bank
Lounge Access
Domestic lounge visits 8/year (2 per quarter) vs No complimentary lounge access	8/year (2 per quarter)	No complimentary lounge access
International lounge visits Only available for Regalia	6/year	Not specified
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹2,500 vs ₹1,500	₹2,500	₹1,500
Joining fee ₹2,500 vs ₹1,500	₹2,500	₹1,500
Fee waiver spend ₹3,00,000 vs ₹2,75,000	₹3,00,000	₹2,75,000
Interest-free period Only available for Regalia	Up to 50 days	Not specified
Rewards
Base earn 2 pts / ₹100 vs 1%	2 pts / ₹100	1%
Conservative base value ~0.3% vs ~1%	~0.3%	~1%
Point value (headline channel) Issuer headline rate at the travel/SmartBuy channel — not the lowest redemption option. Only available for Regalia	₹0.5	Not specified
Point validity Only available for Regalia	2 years	Not specified

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.