HDFC Regalia Gold vs HDFC UPI RuPay Credit Card
Detailed comparison of these two popular credit cards
Winner
HDFC Regalia Gold
HDFC Bank
PremiumVS
HDFC UPI RuPay Credit Card
HDFC Bank
Entry*
Different Reward Types
Card 1 gives ⭐ Reward Points while Card 2 gives 💵 Cashback. We're showing effective cash values for fair comparison.
Annual Fee
₹3K vs ₹99
Effective Rate
(cash value)
1.3% vs 1.0%
Lounge Access
12/year vs None
Detailed Comparison
| Feature | HDFC Regalia Gold | HDFC UPI RuPay Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹3K | ₹99 |
| Annual Fee | ₹3K | ₹99 |
| Fee Waiver | Spend ₹4L annually | Spend ₹25K annually |
| Forex Markup | 2% | - |
Rewards | ||
| Reward Type | ⭐Reward Points | 💵Cashback |
| Effective Cash Value | 1.33% | 1% |
Lounge Access | ||
| Domestic Lounges | 12/year | None |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹12.0L | ₹3.0L |
HDFC Regalia Gold is Best For
Mid-tier spenders wanting lounge access
Watch Out
- • Devalued from original Regalia benefits
HDFC UPI RuPay Credit Card is Best For
UPI-linked credit card users
View HDFC UPI RuPay Credit Card DetailsOur Verdict
Based on overall features and value,
HDFC Regalia Gold wins!
Score: 51vsScore: 23
