AU Ixigo Credit Card vs HDFC Regalia Gold
Detailed comparison of these two popular credit cards
AU Ixigo Credit Card
AU Small Finance Bank
EntryVS
Winner
HDFC Regalia Gold
HDFC Bank
PremiumAnnual Fee
FREE vs ₹3K
Effective Rate
(cash value)
1.3% vs 1.3%
Lounge Access
8/year vs 12/year
Detailed Comparison
| Feature | AU Ixigo Credit Card | HDFC Regalia Gold |
|---|---|---|
Fees & Charges | ||
| Joining Fee | FREE | ₹3K |
| Annual Fee | FREE | ₹3K |
| Fee Waiver | None | Spend ₹4L annually |
| Forex Markup | 0% | 2% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1.25% | 1.33% |
Lounge Access | ||
| Domestic Lounges | 8/year | 12/year |
| Priority Pass | - | Yes |
Eligibility | ||
| Min. Income | ₹3.0L | ₹12.0L |
AU Ixigo Credit Card is Best For
Budget travelers (if grandfathered on zero forex)
Watch Out
- • Zero forex removed for new cardholders
- • Lounge now requires ₹20K/quarter spend
- • International rewards removed Dec 2024
HDFC Regalia Gold is Best For
Mid-tier spenders wanting lounge access
Watch Out
- • Devalued from original Regalia benefits
Our Verdict
Based on overall features and value,
HDFC Regalia Gold wins!
Score: 50vsScore: 51
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