HDFC Bank INFINIA Credit Card Metal Edition vs HDFC Bank Regalia Gold Credit Card
Last verified 19 Oct 2026 · how we compare
Side by side
| Feature | HDFC Bank INFINIA Credit Card Metal Edition | HDFC Bank Regalia Gold Credit Card |
|---|---|---|
| Issuer | HDFC Bank | HDFC Bank |
| Joining fee | ₹12,500 | ₹2,500 |
| Annual fee | ₹12,500 | ₹2,500 |
| Fee waiver | Renewal fee waived if you spend ₹10 lakh or more in the 12 months before your renewal date. Paying the joining fee, and each renewal fee, earns 12,500 reward points (worth ₹12,500 on HDFC SmartBuy flights and hotels). No joining fee waiver is offered. | Renewal fee waived if you spend ₹4 lakh or more in the 12 billing cycles before your renewal date. No joining fee waiver is offered. |
| Everyday spends (value back) | 3.33% | 1.25% |
| Online shopping (value back) | 3.33% | 1.25% |
| Fuel (value back) | 0% | 0% |
| Groceries (value back) | 3.33% | 1.25% |
| Travel (value back) | 3.33% | 1.25% |
| Bills and utilities (value back) | 3.33% | 1.25% |
| Dining and food delivery (value back) | 3.33% | 1.25% |
| Rewards in short | 5 reward points per ₹150: about 3.3% back if you use the points for flights and hotels on HDFC SmartBuy (₹1 a point), or up to 1% as statement credit (up to ₹0.30 a point). Up to 10 times the points on travel and shopping through SmartBuy, within 15,000 bonus points a month. Fuel, rent, wallet loads and government payments earn nothing. | 5 reward points per ₹200: about 1.25% back if you use the points for flights and hotels on HDFC SmartBuy (₹0.50 a point), or 0.375% as statement credit (₹0.15 a point). 5X points at Myntra, Nykaa, Reliance Digital and Marks & Spencer. Fuel, rent, wallet loads and government payments earn nothing. |
| Works on UPI | No | No |
| Airport lounge | Unlimited lounge visits in India by swiping the card and unlimited visits abroad through Priority Pass, for the primary cardholder and each add-on cardholder, with no spend condition. Add-on cardholders need their own Priority Pass abroad, and guests pay $27 plus GST a visit. | 12 domestic lounge visits a year (3 a calendar quarter), unlocked each quarter by spending ₹60,000 in the previous calendar quarter; 6 international visits a year outside India through Priority Pass with no spend condition (ask HDFC Bank for the Priority Pass card). |
| Forex markup | 2% | 2% |
| Fuel surcharge waiver | 1% waiver on fuel transactions of ₹400 to ₹1 lakh, capped at ₹1,000 per statement cycle. Fuel earns no points, and HDFC Bank charges a 1% fee on single fuel transactions above ₹15,000. | No fuel surcharge waiver is listed for this card, and fuel earns no points. A 1% fee applies to single fuel transactions above ₹15,000. |
| Card network | Not published by the bank | Not published by the bank |
| Minimum income (salaried) | Not published by the bank | ₹1,50,000 a month |
Value back is the % of spend you get at the bank's published redemption value. “–” means the bank doesn't publish it. Fees exclude GST.
Which one to pick
Pick the HDFC Bank INFINIA Credit Card Metal Edition if
HDFC Bank has invited you and you'll spend ₹18 lakh a year on the card or keep ₹50 lakh with the bank
₹12,500 joining, ₹12,500 a year
Pick the HDFC Bank Regalia Gold Credit Card if
you haven't been invited to Infinia, or you want a ₹2,500 fee waived at ₹4 lakh of spend
₹2,500 joining, ₹2,500 a year
CreditParakh is not a bank or lender. Approval, limits and final terms are decided by the issuer.
Questions people ask
Is HDFC Infinia better than Regalia Gold?
On rewards and lounges, yes: about 3.3% back against 1.25% when points go to SmartBuy flights and hotels, and unlimited lounge visits against Regalia Gold's 12 domestic (unlocked by spend) and 6 international a year. As statement credit, Infinia returns at most 1% and Regalia Gold 0.375%. The catch is access: Infinia is by invitation only, and keeping it needs ₹18 lakh of card spend a financial year or ₹50 lakh of balances with HDFC Bank.
How do I get HDFC Infinia?
Only by invitation. HDFC Bank doesn't take applications for Infinia or publish income or age criteria; it assesses customers itself and tells them personally if they qualify. Regalia Gold is open to apply: salaried applicants aged 21 to 60 need a gross monthly income above ₹1.5 lakh (above ₹1 lakh for government employees), and self-employed applicants aged 21 to 65 an IT return above ₹18 lakh a year.
Which has better lounge access, Infinia or Regalia Gold?
Infinia: unlimited visits in India by swiping the card and abroad through Priority Pass, for the primary and each add-on cardholder, with no spend condition. Regalia Gold gives 3 domestic visits a calendar quarter, each quarter unlocked by ₹60,000 of spend in the previous one (since July 2026), and 6 international Priority Pass visits a year with no spend condition.
Which is better for fuel and utility bills?
Neither earns points on fuel, and both charge 1% on single fuel transactions above ₹15,000, but Infinia waives the 1% surcharge on ₹400 to ₹1 lakh transactions, up to ₹1,000 a statement cycle; Regalia Gold lists no waiver. Both earn on utility and telecom bills up to 2,000 points a month on each, worth ₹2,000 on Infinia and ₹1,000 on Regalia Gold at SmartBuy values.
Full details: HDFC Bank INFINIA Credit Card Metal Edition · HDFC Bank Regalia Gold Credit Card · find the card that fits your spending
Last verified 19 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.