Citi Cashback vs HDFC Regalia Gold
Detailed comparison of these two popular credit cards
Citi Cashback
Citibank
Mid-RangeVS
Winner
HDFC Regalia Gold
HDFC Bank
Premium*
Different Reward Types
Card 1 gives 💵 Cashback while Card 2 gives ⭐ Reward Points. We're showing effective cash values for fair comparison.
Annual Fee
₹500 vs ₹3K
Effective Rate
(cash value)
0.5% vs 1.3%
Lounge Access
None vs 12/year
Detailed Comparison
| Feature | Citi Cashback | HDFC Regalia Gold |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹500 | ₹3K |
| Annual Fee | ₹500 | ₹3K |
| Fee Waiver | Spend ₹50K annually | Spend ₹4L annually |
| Forex Markup | - | 2% |
Rewards | ||
| Reward Type | 💵Cashback | ⭐Reward Points |
| Effective Cash Value | 0.5% | 1.33% |
Lounge Access | ||
| Domestic Lounges | None | 12/year |
| Priority Pass | - | Yes |
Eligibility | ||
| Min. Income | ₹3.0L | ₹12.0L |
Citi Cashback is Best For
Utility bill payers
Watch Out
- • Citi exited India, cards managed by Axis
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: 17vsScore: 51
