Fulfilling your shopping needs is easy, but it is easier when you have a credit card. The benefits of owning a credit card need not be told, but it is important to have the right one to reap all the benefits that a credit card can offer otherwise things can go south anytime.
There are so many options of credit cards out there that makes choosing the right credit card a daunting process. There is much to consider such as the joining fees, annual fees, and all the various complimentary benefits.
Of all the options in the market, HDFC Bank provides a wide range of credit cards to serve people’s different needs. In this article, we’ll discuss two of HDFC Bank’s credit cards which are the Infinia Credit Card and Regalia Credit Card.
FEATURED PARTNER OFFER
HDFC Infinia Credit Card
3.5
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.
Annual Fee
INR 12,500 + 18% GST
Travel Benefit
Complimentary Club Marriott membership for first year
Reward Points
5 Reward Points for every INR 150 spent
On HDFC's secure website
Annual Fee
INR 12,500 + 18% GST
Travel Benefit
Complimentary Club Marriott membership for first year
Reward Points
5 Reward Points for every INR 150 spent
Pros & Cons
- There is no cap on cash reward points
- No cap on airport lounge access (even for a secondary card holder)
- Complimentary nights and weekend buffet at participating ITC Hotels
- Foreign currency markup is 2% (which is around 3.5% in general)
- Unlimited golf privileges
- No pay points back on fuel transaction (fuel here means petrol and diesel)
- Club Marriott membership is only for the first year
- To get the accidental air death cover one will have to purchase the tickets with the help of this credit card only
- No reward point if the fee has not been paid
FEATURED PARTNER OFFER
HDFC Regalia Credit Card
Annual Fee
INR 1000 + Taxes
Cashback
Up to 5% cashback on travel and shopping spends
Dining Delights
Up to 35% discounts under the Dineout Membership program at premium restaurants
On HDFC's secure website
Annual Fee
INR 1000 + Taxes
Cashback
Up to 5% cashback on travel and shopping spends
Dining Delights
Up to 35% discounts under the Dineout Membership program at premium restaurants
Pros & Cons
- This card has the lowest foreign currency markup, which is 2%, lower than many other cards in the market that have a foreign currency markup range of 3% to 3.5%.
- Reward Points can be used to book train tickets and make purchases on websites such as Amazon, Flipkart, Redbus, etc. Multiple offers are rolled from time to time, which can be a good catch for users who can use them as per your requirement.
- Features like emergency overseas hospitalization is a plus.
- Reward Points are given only on retail spending.
- You cannot make EMIs on the purchase of gold or any kind of jewelry.
- The Dineout Passport Membership card covers only a select few cities in India making it a limited service.
HDFC Infinia Credit Card
HDFC Infinia Credit Card is a gateway to a premium lifestyle. Although it is a relatively expensive card to own, it provides exclusive benefits from premium lounge access in airports to complimentary stays in participating hotels. The Infinia credit card is based on a reward point system which means the more you spend, the more rewards you earn.
It is important to note that the membership for Infinia credit card is by invitation only. This means that you cannot directly apply to own the card.
HDFC Regalia Credit Card
HDFC Regalia is one of the most sought after credit cards by HDFC bank. The credit card is based on a reward point system wherein every time you spend INR 150 you earn 4 reward points. The value of 1 reward point is up to INR 0.30. However, the reward system only applies to retail transactions.
Apart from the reward point system, there are many other features and benefits that come with HDFC’s Regalia Credit Card. Let’s assess the eligibility for having the Regalia Credit Card.
Eligibility for HDFC Regalia Credit Card:
| Age | Between 21 - 60 years (Salaried or Self Employed) |
| Occupation | Self Employed or Salaried Individuals |
| Income | Self Employed: INR 1 lakh net monthly income Salaried: ITR of INR 12 lakh per annum |
| Location | Only available at serviceable pin codes provided by HDFC Bank |
Featured Partners
1
SimplyCLICK SBI Credit Card
Annual Fee
INR 499+ taxes
Welcome Gift
INR 500 worth e-gift card from Amazon
Features
1% Fuel Surcharge Waiver on transactions between INR 500 and INR 3000, Get e-Vouchers worth INR 2000 for annual online spends of 1 Lakh
On SBI's secure website
2
HSBC Cashback Credit Card
Annual fees
INR 999 (which will be reversed if the total annual spend exceeds INR 200,000)
Cashback features
10% accelerated cashback on dining, food delivery and grocery spends (up to INR 1000 per billing cycle); 1.5% unlimited cashback on other spends* (exclusions apply)
Other benefits
4 complimentary domestic lounge visits per year (1 visit per quarter)
3
IndusInd Bank Legend Credit Card
Annual Fee
INR 9,999 + GST
Welcome Benefits
Complimentary Stay at Oberoi Chain of Hotels.
Features
Free Movie Tickets on BookMyShow, 2x Rewards on Weekend spends, Access to 700+ lounges worldwide
On IndusInd Credit Card Application
4
AU Bank Altura Plus Credit Card
Annual Fee
499 + applicable taxes
Welcome Benefits
Gift vouchers
Features
1.5% Cashback on all POS retail spends, 1% Fuel Surcharge Waiver on transactions between INR 400 and INR 5,000.
On AU Bank's secure website
5
Standard Chartered Rewards Credit Card
Annual Fees
No joining fees. Second-year annual fees waived with INR 1,50,000+ spends in the previous year.
Benefits
4 reward points* per INR 150 on all retail spends
Other Benefits
4 domestic lounge access per year, 1% Fuel Surcharge Waiver on all fuel spends
On Standard Chartered bank's website
HDFC Infinia Credit Card vs. Regalia Credit Card: Joining Fees and Welcome Benefits
Credit cards can help you save a lot of money in the long term but it still costs something. It is important to understand what that cost is and how it can be redeemed. Let’s start comparing the HDFC Infinia credit card and the HDFC Regalia credit card with the most basic features: the joining fees and the welcome benefits.
| Credit Card | Company - Logo | Joining Fees / Annual Fees | Welcome Benefits | Min. Spend for Waiver of Annual Fees | Learn More CTA text | Learn more CTA below text | Learn More |
|---|---|---|---|---|---|---|---|
HDFC Infinia |  | INR 12,500 + 18% GST | 12,500 Reward Points on activation of card. Complimentary Club Marriott Membership. | INR 10 lakh/annum | Learn More | On HDFC's secure website | |
| HDFC Regalia |  | INR 2,500 + 18% GST | INR 3 lakh/annum | Learn More | On HDFC's secure website |
HDFC Infinia Credit Card vs. Regalia Credit Card: Rewards and other benefits
While the most basic features of selecting a credit card are the eligibility and cost of the credit card, it makes sense to understand what benefits it offers and whether it is worth the money paid. By drawing a comparison between HDFC’s Infinia and Regalia cards, you can easily gauge which is more suited for your personal needs.
HDFC Infinia Credit Card:
- Receive 12,500 reward points on activation of the card as welcome benefits.
- Collect 5 reward points for minimum spend of INR 150 every time. Reward point value is between INR 0.30 and INR 0.50.
- Receive a complimentary Club Marriott Membership that is valid for one year and entails 20% discount on dining and stay across Asia-Pacific region.
- This credit card provides a zero cost liability which means insurance is provided to protect you from fraudulent transactions in case you lose your credit card and report it within 24 hours.
- Foreign currency markup is only 2% which is relatively lower than other credit cards from different banks.
- With HDFC Infinia Card, you can also get complimentary stays at participating ITC Hotels.
- Get unlimited golf coaching at participating golf courses in India as well as unlimited golf games at participating golf courses in India and around the world.
- Get 1% fuel surcharge waivers on fuel transactions above INR 400.
- INR 30 lakh insurance coverage in cases of emergency hospitalization at international locations.
- INR 3 cr insurance in cases of accidental air death.
- This card also provides a 24/7 global personal concierge who can help you plan and book your business and travel experiences.
- Offers a Good Food Trail Program where you can get a flat 15% discount on more than 35,000 restaurants on Swiggy and Dineout.
HDFC Regalia Credit Card:
- Get 2,500 reward points on activation of the card as welcome benefits.
- Get 4 reward points for minimum spend of INR 150 every time. Reward point value is up to INR 0.30.
- Get up to 20% discounts while dining out at participating restaurants using the Dine Out application.
- Get 1% fuel surcharge waivers on fuel transactions above INR 400.
- This credit card provides a zero cost liability which means insurance is provided to protect you from fraudulent transactions in case you lose your credit card and report it within 24 hours.
- Forex markup fees are only 2% which is relatively lesser than offerings from other banks.
- INR 15 lakh insurance coverage in cases of emergency hospitalization at international locations.
- INR 50 lakh insurance in cases of accidental air death.
- This card also provides the service of 24/7 concierge.
HDFC Infinia Credit Card vs. Regalia Credit Card: Lounge Access
Getting access to an airport lounge on long air journeys is certainly a relief. Airport lounges now offer a variety of delicious lunch, breakfast or snack options to choose from and also provide the most comfortable recliners for you to take a much deserved nap on.
| Credit Card | Domestic Lounge | International Lounge |
|---|---|---|
| HDFC Infinia | Unlimited domestic lounge access for primary and add-on cardholders | Unlimited international lounge access via priority pass for primary and add-on cardholders |
| HDFC Regalia | 12 times per annum | 6 times per annum with complimentary priority pass |
HDFC Infinia Credit Card vs. Regalia Credit Card: Milestone Benefits
The logic of credit cards is simple: the more you use it, the better you reap. Most banks also offer milestone benefits wherein if you achieve a certain level of spend on your credit card, you will receive more benefits. Let’s compare the milestones benefits of HDFC Infinia and HDFC Regalia credit cards.
| Credit Card | Milestone Benefits |
|---|---|
| HDFC Infinia | Spend INR 10 lakh or more to get renewal fees waived off and receive 12,500 reward points upon fee realization and card activation. |
| HDFC Regalia | Get 10,000 bonus points for spending INR 5 lakh in an anniversary year. If you spend an additional INR 3 lakh in the same anniversary year, you will receive 5,000 reward points. |
Featured Partners
1
SimplyCLICK SBI Credit Card
Annual Fee
INR 499+ taxes
Welcome Gift
INR 500 worth e-gift card from Amazon
Features
1% Fuel Surcharge Waiver on transactions between INR 500 and INR 3000, Get e-Vouchers worth INR 2000 for annual online spends of 1 Lakh
On SBI's secure website
2
HSBC Cashback Credit Card
Annual fees
INR 999 (which will be reversed if the total annual spend exceeds INR 200,000)
Cashback features
10% accelerated cashback on dining, food delivery and grocery spends (up to INR 1000 per billing cycle); 1.5% unlimited cashback on other spends* (exclusions apply)
Other benefits
4 complimentary domestic lounge visits per year (1 visit per quarter)
3
IndusInd Bank Legend Credit Card
Annual Fee
INR 9,999 + GST
Welcome Benefits
Complimentary Stay at Oberoi Chain of Hotels.
Features
Free Movie Tickets on BookMyShow, 2x Rewards on Weekend spends, Access to 700+ lounges worldwide
On IndusInd Credit Card Application
4
AU Bank Altura Plus Credit Card
Annual Fee
499 + applicable taxes
Welcome Benefits
Gift vouchers
Features
1.5% Cashback on all POS retail spends, 1% Fuel Surcharge Waiver on transactions between INR 400 and INR 5,000.
On AU Bank's secure website
5
Standard Chartered Rewards Credit Card
Annual Fees
No joining fees. Second-year annual fees waived with INR 1,50,000+ spends in the previous year.
Benefits
4 reward points* per INR 150 on all retail spends
Other Benefits
4 domestic lounge access per year, 1% Fuel Surcharge Waiver on all fuel spends
On Standard Chartered bank's website
HDFC Infinia Credit Card vs. Regalia Credit Card: Which is Better?
Declaring an answer to the question of which credit card is better than the other would be absolutely unjustified. This is due to the simple reason that everyone’s needs and priorities are vastly different.
While HDFC Bank’s Infinia credit card clearly comes at a higher price, it also offers more benefits related to lifestyle. At the same time, HDFC Bank’s Regalia Card is more easily procurable and also has similar benefits to HDFC’s Infinia Card.
In other words, HDFC Bank’s Infinia Card is more suited for people with higher air travel and hotel stays, while HDFC Bank’s Regalia Credit Card can come handy for more day to day expenditures as it’s more easier to reach the milestone and receive the benefits.
To sum up the discussion, check out our verdict on the credit cards in the table below:
| Category | Better Card |
|---|---|
| Easiest to Procure | HDFC Regalia |
| More Affordable | HDFC Regalia |
| More Benefits | HDFC Infinia |
| More Cashback | HDFC Infinia |
| More Milestone Rewards | HDFC Regalia |
| Better Lounge Access Deals | HDFC Infinia |
| Easier to Get Waiver on Annual Fees | HDFC Regalia |
Read More: Best Credit Card In India
Frequently Asked Questions (FAQs)
Which is better: HDFC Regalia or HDFC Infinia?
This depends on a variety of factors. HDFC Infinia is difficult to have as the application is based on invite only but also gives more benefits compared to HDFC Regalia. At the same time HDFC Regalia offers many similar benefits but at a reduced level. Ultimately, the better card depends on your budget, requirements and priorities.
Is it possible to upgrade my HDFC Regalia Credit Card to the HDFC Infinia Credit Card?
It is possible to upgrade HDFC credit cards or possess multiple cards, however the way to procure HDFC Bank’s Infinia credit card is by invite only.
Which HDFC credit card has more benefits: HDFC Infinia or HDFC Regalia?
HDFC Infinia credit card comes with more benefits but it also comes at a higher price. To know more about either card, you can read Forbes Advisor’s detailed review on HDFC Bank’s credit cards here.
