Citi Rewards vs HDFC Regalia Gold
Detailed comparison of these two popular credit cards
Citi Rewards
Citibank
Mid-RangeVS
Winner
HDFC Regalia Gold
HDFC Bank
PremiumAnnual Fee
₹1K vs ₹3K
Effective Rate
(cash value)
0.2% vs 1.3%
Lounge Access
None vs 12/year
Detailed Comparison
| Feature | Citi Rewards | HDFC Regalia Gold |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹1K | ₹3K |
| Annual Fee | ₹1K | ₹3K |
| Fee Waiver | Spend ₹30K annually | Spend ₹4L annually |
| Forex Markup | - | 2% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.2% | 1.33% |
Lounge Access | ||
| Domestic Lounges | None | 12/year |
| Priority Pass | - | Yes |
Eligibility | ||
| Min. Income | ₹3.6L | ₹12.0L |
Citi Rewards is Best For
Existing Citi cardholders
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: 13vsScore: 51
