HDFC Bank is India’s largest credit card issuer and offers a range of amazing credit cards with many perks and rewards. Both INFINIA and Regalia Gold offer amazing perks and are designed for different groups of people. Regalia Gold, one of the premium credit cards from HDFC, is excellent for travel and lifestyle perks. INFINIA, on the other hand, is an invite-only credit card for which the bank extends and invites customers who have maintained a TRV of ₹25 lakhs or more. Individuals holding a Regalia Gold credit card may receive the option for a lifetime free card after establishing a strong relationship with the bank or use it as a stepping stone to obtain an INFINIA card.
Annual Fee, Welcome, and Milestone Benefits
HDFC INFINIA comes with a high annual fee of ₹12,500 plus taxes, while HDFC Regalia Gold has a lower annual fee of ₹2,500 plus taxes. Both cards provide a spend-based fee waiver option, with INFINIA at ₹10 lakh and Regalia Gold at ₹4 lakh. The welcome benefits are available exclusively to those who pay the annual fee. INFINIA lacks milestone benefits, whereas Regalia Gold offers three different milestone incentives to its users. For detailed specifications, please refer to the table.
| Particulars | HDFC INFINIA | HDFC Regalia Gold |
| Annual Fee | ₹12,500 + GST | ₹2,500 + GST |
| Welcome Benefits |
|
Gift Voucher Worth ₹2,500 |
| Spend-Based Fee Waiver | Renewal Fee Waiver on Spending ₹10 Lakh in a Year | Renewal Fee Waiver on Spending ₹4 Lakh in a Year |
| Milestone Benefits | N/A |
|
Reward Structure
HDFC INFINA awards users 5 RPs for every ₹150 spent on retail, while HDFC Regalia Gold offers 4 Reward Points on every spend of ₹150 on retail, including utilities, insurance, and education, and 20 Reward Points on every spend of ₹150 on Myntra, Marks and Spencers, Nykaa, and Reliance Digital, making it perfect for everyday spending and shopping.
With the HDFC INFINIA credit card, you can redeem your reward points for various benefits. For flight and hotel bookings made through SmartBuy, 1 RP = ₹1. If you choose to redeem your points for Airmiles through net banking, 1 RP = 1 Airmile. Additionally, you can redeem your points for vouchers through SmartBuy or net banking, with each RP being worth ₹0.50. For cashback, 1 RP gives you a value of ₹0.30. Furthermore, Apple and Tanishq vouchers are also available, with a value of ₹1 for every reward point redeemed.
The HDFC Regalia Gold credit card offers a range of redemption options as well. When booking flights or hotels via SmartBuy, 1 reward point is worth ₹0.50. If you want to redeem points for Airmiles through net banking, 1RP = 0.5 Airmiles. For vouchers, whether redeemed through net banking or SmartBuy, 1 RP is worth ₹0.35. When opting for cashback, each reward point is worth ₹0.20.
| Particulars | HDFC INFINIA | HDFC Regalia Gold |
| Earning Rewards | 5 Reward Points on Every Retail Spend of ₹150 |
|
| Redeeming Rewards |
|
|
Other Lifestyle Perks
With the HDFC INFINIA credit card, you get unlimited access to airport lounges, both domestically and internationally, every year. The card also offers unlimited complimentary golf games at various locations across India and around the world. Dining perks include a “1 + 1” complimentary buffet at ITC Hotels, along with a free Club Marriott membership for the first year. Additionally, you can enjoy up to ₹750 off on Swiggy Dineout.
The HDFC Regalia Gold credit card offers 12 domestic and 6 international airport lounge visits each year. You can also get ₹200 off on Swiggy Dineout twice a month. With the card, you receive a MakeMyTrip BLACK Gold Membership and an accidental air death cover of up to ₹1 crore for added security.
| Particulars | HDFC INFINIA | HDFC Regalia Gold |
| Airport Lounge Access | Unlimited Domestic and International Visits Every Year | 12 Domestic and 6 International Visits Every Year |
| Golf Benefits | Unlimited Complimentary Golf Games across India and the Globe | N/A |
| Dining Perks |
|
₹200 Off on Swiggy Dineout, Twice a Month |
Bottom Line
The Regalia Gold is a stepping stone for those looking to upgrade to the INFINIA. While the Regalia Gold offers decent rewards and perks, like lounge access and milestone benefits, INFINIA provides more premium benefits, such as unlimited airport lounge access, higher reward points for every spend, and a wider range of redemption options, including travel and shopping. The INFINIA’s annual fee is higher, but the rewards and benefits make it a worthwhile investment for frequent travelers. On the other hand, the Regalia Gold has a more affordable fee and is ideal for those looking to enjoy rewards and perks without the high cost. Both cards come with a spend-based fee waiver, and the Regalia Gold’s lower milestone thresholds make it easier to earn rewards. The final choice will be determined after you evaluate your needs and compare the cards.
1 comment
Kapil dev
Requrment infina card