HDFC Regalia vs HDFC UPI RuPay Credit Card
Detailed comparison of these two popular credit cards
Winner
HDFC Regalia
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 | HDFC UPI RuPay Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹3K | ₹99 |
| Annual Fee | ₹3K | ₹99 |
| Fee Waiver | Spend ₹3L 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 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 wins!
Score: 50vsScore: 23
