HDFC Bank Regalia Gold Credit Card
Points
HDFC Bank Regalia Gold Credit Card
HDFC Bank - Visa - Credit card
4.3
4.3 out of 5
8.6/10
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Head-to-head
HDFC Bank Regalia Gold Credit Card vs HDFC Bank UPI RuPay Credit Card
Compare HDFC Bank Regalia Gold Credit Card and HDFC Bank UPI RuPay Credit Card side by side: fees, rewards, APR, and perks.
Last verified
HDFC Bank UPI RuPay Credit Card
Cash back
HDFC Bank UPI RuPay Credit Card
HDFC Bank - Visa - Credit card
3.9
3.9 out of 5
7.8/10
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Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | HDFC Bank Regalia Gold Credit Card | HDFC Bank UPI RuPay Credit Card |
|---|---|---|
| Card fee | ₹2,500 INR/yr (≈ $30) | ₹250 INR/yr (≈ $3) |
| Purchase APR (from) | 45% | - |
| Interest-free period | 50 days | 50 days |
| Foreign transaction fee | 2% | 3.5% |
| Rewards | 5 Reward Points per ₹200 on retail; 25 RP per ₹200 at Myntra, M&S, Nykaa, Reliance Digital; 1 RP = ₹0.50 for flights/hotels via SmartBuy | 3% CashPoints on groceries, supermarket, dining, and PayZapp; 2% on utilities; 1% on other spends; max 500 CashPoints/month; 1 CashPoint = ₹0.25 |
| Installments | - | - |
| No card fee | - | - |
| No foreign transaction fee | - | - |
| Welcome bonus | ||
| Airport lounge access | - | |
| Travel insurance | - | |
| Apple Pay / Google Pay | - | - |
Which is right for you
Pick by how you spend
- Choose the HDFC Bank Regalia Gold Credit Card if its checked rows above line up with how you spend most.
- Choose the HDFC Bank UPI RuPay Credit Card if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
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