HDFC Bank Regalia Gold Credit Card vs Marriott Bonvoy HDFC Bank Credit Card
Last verified 20 Oct 2026 · how we compare
Side by side
| Feature | HDFC Bank Regalia Gold Credit Card | Marriott Bonvoy HDFC Bank Credit Card |
|---|---|---|
| Issuer | HDFC Bank | HDFC Bank |
| Joining fee | ₹2,500 | ₹3,000 |
| Annual fee | ₹2,500 | ₹3,000 |
| Fee waiver | 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. | No fee waiver: the ₹3,000 fee is charged every year, the first time about 45 days after the card is issued. Each time the fee is charged you get a Free Night Award for a Marriott hotel (worth up to 15,000 Marriott Bonvoy points) and 10 Elite Night Credits, and the card comes with Marriott Bonvoy Silver Elite status. |
| Everyday spends (value back) | 1.25% | – |
| Online shopping (value back) | 1.25% | – |
| Fuel (value back) | 0% | 0% |
| Groceries (value back) | 1.25% | – |
| Travel (value back) | 1.25% | – |
| Bills and utilities (value back) | 1.25% | – |
| Dining and food delivery (value back) | 1.25% | – |
| Rewards in short | 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. | Earns Marriott Bonvoy points, not cash: 8 per ₹150 at Marriott hotels, 4 per ₹150 on travel, dining and entertainment, and 2 per ₹150 on most other spends. Points go to your Marriott Bonvoy account for hotel stays and other Marriott rewards and can't be turned into cash; HDFC Bank doesn't give them a rupee value. Up to 3 extra free nights a year when your spend in a card year reaches ₹6 lakh, ₹9 lakh and ₹15 lakh. Fuel, rent, wallet loads, vouchers, EMI and government payments earn nothing. |
| Works on UPI | No | No |
| Airport lounge | 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). | 12 free airport lounge visits a year in India and 12 abroad, with no spend condition. The primary and add-on cardholders can use them; guests aren't covered. Lounges abroad are listed in the Diners Club travel app. |
| Forex markup | 2% | 3.5% |
| Fuel surcharge waiver | 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. | No fuel surcharge waiver. Fuel earns no points, and HDFC Bank charges a 1% fee on single fuel transactions above ₹15,000. |
| Card network | Not published by the bank | Not published by the bank |
| Minimum income (salaried) | ₹1,50,000 a month | ₹1,00,000 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 Regalia Gold Credit Card if
you want points with a set value on SmartBuy flights and hotels, a fee waiver and a lower forex markup
₹2,500 joining, ₹2,500 a year
Pick the Marriott Bonvoy HDFC Bank Credit Card if
you stay at Marriott hotels at least once a year and want lounge visits without a spend condition
₹3,000 joining, ₹3,000 a year
CreditParakh is not a bank or lender. Approval, limits and final terms are decided by the issuer.
Questions people ask
Which earns more, Regalia Gold or Marriott Bonvoy HDFC?
We can only put a rupee value on Regalia Gold: 5 points per ₹200, about 1.25% on SmartBuy flights and hotels or 0.375% as statement credit. Marriott Bonvoy HDFC earns Marriott Bonvoy points: 8 per ₹150 at Marriott hotels, 4 per ₹150 on travel, dining and entertainment and 2 per ₹150 elsewhere. They go to your Marriott Bonvoy account for hotel stays, can't be turned into cash, and HDFC doesn't give them a rupee value. Spending ₹6 lakh, ₹9 lakh and ₹15 lakh in a card year adds up to 3 extra free nights.
Is the Marriott Bonvoy HDFC fee worth paying?
Only if you'll use a Marriott free night. The ₹3,000 fee is charged every year, first about 45 days after issue, and can't be waived; each time, you get a Free Night Award (up to 15,000 points a night) and 10 Elite Night Credits, plus Silver Elite status. Since 1 Oct 2026, new cardholders get the first free night only after the first fee is charged. Regalia Gold's ₹2,500 fee is waived at ₹4 lakh of spend in the year before renewal.
Which has better lounge access?
Marriott Bonvoy HDFC: 12 visits a year in India and 12 abroad, with no spend condition, usable by primary and add-on cardholders (HDFC doesn't say whether the count is shared). Regalia Gold gives 3 domestic visits a quarter, each unlocked by ₹60,000 of spend in the previous quarter, and 6 international Priority Pass visits a year with no spend condition.
Who can get each card?
Marriott Bonvoy HDFC: salaried Indian nationals aged 21 to 60 with a net monthly income above ₹1 lakh, or self-employed aged 21 to 65 with an IT return above ₹15 lakh a year. Regalia Gold: salaried with a monthly income above ₹1.5 lakh (above ₹1 lakh for government employees), or self-employed with an IT return above ₹18 lakh. Neither waives the fuel surcharge or earns on fuel, rent or wallet loads.
Full details: HDFC Bank Regalia Gold Credit Card · Marriott Bonvoy HDFC Bank Credit Card · find the card that fits your spending
Last verified 20 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.