HDFC Infinia Credit Card vs HDFC Regalia Credit Card: A 10-Point Comparison

Updated on: 16 Feb 2024 // 5 min read

HDFC Infinia Credit Card and HDFC Regalia Credit Card are the two most prominent credit cards among others issued by HDFC Bank. Both these credit cards come with premium membership benefits from exclusive reward programmes, lounge access benefits and much more.

HDFC Infinia Credit Card is the superlative offering from HDFC Bank as a result of which this credit card has the most lucrative rewards & benefits and also the membership fees.
On the other hand, HDFC Regalia Credit Card is by far one the best credit cards from HDFC Bank for salaried customers with premium benefits and rewards in proximity to Infinia.
Currently, HDFC Bank is the largest credit card issuer in India with more than 1.88 Crore credit cards outstanding.
As India’s largest private sector lender by assets, HDFC Bank has grown by leaps and bounds in the last decade expanding its footprint across consumer business, emerging as a leader in credit card distribution.

Let’s take a look at key differentiators for HDFC Bank Infinia Credit Card Metal Edition and HDFC Bank Regalia Gold Credit Card.

S. No.	Factors	HDFC Bank Infinia Credit Card Metal Edition	HDFC Bank Regalia Gold Credit Card
1	Eligibility	This is an invite-only credit card. HDFC Bank chooses its own set of customers from a pool of high-networth individuals to offer this card.	For salaried Indian nationals, the age should be between 21 and 60 years with a net monthly income of more than Rs. 1 Lakh. For self-employed Indian nationals, the age should be between 21 and 65 years with an ITR of over Rs. 12 Lakhs p.a.
2	Welcome/Renewal Benefits	Complimentary Club Marriott membership for a 1 year which offers up to 20% discount on dining & stay across Asia - Pacific region. Welcome as well as renewal benefit of 12,500 reward points on fee realisation & card activation.	Pay joining fee & get gift voucher equivalent to fee amount (i.e. Rs. 2,500). Complimentary Club Vistara Silver Tier & MMT Black Elite memberships on spending Rs. 1 Lakh & above within 90 days of card issuance.
3	Fees & Waiver	Joining & renewal fee is Rs. 12,500 + applicable taxes. Spend Rs. 10 Lakhs or more in the preceding 12 months & get renewal membership fee waived off for next year.	Joining & renewal fee is Rs. 2,500 + applicable taxes. Spend Rs. 4 Lakhs in an anniversary year & get renewal fee waived for next renewal year.
4	Reward Points & Redemption	5 Reward Points (RP) on every Rs. 150 retail spends. Up to 10x RP on travel & shopping spends on Smartbuy. RP can be redeemed through HDFC Bank Netbanking or Smartbuy. Value of RPs on redemption against flight & hotel bookings, Tanishq vouchers, Apple products via Smartbuy is Rs. 1 for 1 RP. Redemption value for other products and vouchers purchased through Smartbuy or Netbanking is up to Rs. 0.50 for 1 RP, while cashback conversion value is Rs. 0.30 for 1 RP. You can get 1 airmile for 1 RP through netbanking.	4 RP on every Rs. 150 retail spends. 5x RP on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital. RP can be redeemed through HDFC Bank Netbanking or Smartbuy. Value of RPs on redemption against flight & hotel bookings is Rs. 0.50 for 1 RP. Redemption value for other products & services purchased via Netbanking or Smartbuy is up to Rs. 0.35 for 1 RP. Redemption against the statement balance is Rs 0.20 for 1 RP. You get 0.5 airmile for 1 RP through netbanking.
5	Fuel Surcharge Waiver	1% fuel surcharge waiver across all fuel stations in India. The transactions shoule be between Rs. 400 and Rs. 1,00,000. The maximum waiver is capped at Rs 1,000 per card statement cycle. No RP can be earned on fuel transactions.	Nil
6	Airport Lounge Access	An Infinia credit card and add-on priority pass holders can have unlimited complimentary lounge access at 1,000+ airports within and outside India using Priority Pass.	This card offers 12 complimentary lounge access in a calendar year within India (at both domestic & international terminals). The quota is capped to 6 complimentary lounge visits for you and your add-on member per calendar year using Priority Pass. Lounge visits beyond the complimentary quota will be chargeable and will be allowed at the lounge's discretion.
7	Insurance Benefits	Accidental air death cover worth Rs. 3 Crores. Emergency overseas hospitalisation cover up to Rs. 50 Lakhs. Credit Shield Cover up to Rs. 9 Lakhs.	Accidental air death cover worth Rs. 1 Crore. Emergency overseas hospitalisation cover up to Rs. 15 Lakhs. Credit liability cover up to Rs. 9 Lakhs.
8	Hotel & Dining Benefits	Book stay for 3-nights & pay for 2 at participating ITC hotels. 1+1 complimentary buffet at participating ITC hotels. Under Good Food Trail Program, get additional 15% off on all your bill payments via Swiggy Dineout at 20k + restaurants.	Under Good Food Trail Program, get up to 7.5% savings on all your restaurant bill payments via Swiggy Dineout at 20k+ restaurants. Offer inclusive of restaurant & Swiggy discount. Offer valid only on payments done via the Swiggy App.
9	Golf Privileges	Unlimited complimentary golf games at leading courses in India & select courses across the world. Unlimited complimentary golf coaching at select golf courses in India. Call the concierge at 1800 118 887 \| 022 42320226 to book.	Nil
10	Milestone Benefits	Nil	Get Rs. 1,500 worth vouchers from Marriott, Myntra, Marks & Spencer or Reliance Digital on spending Rs. 1.5 Lakhs in every calendar quarter. Get Rs. 5,000 worth flight vouchers on spending Rs. 5 Lakhs in an anniversary year. Get additional Rs. 5,000 worth flight vouchers on spending Rs. 7.5 Lakhs in an anniversary year.

Conclusion: Which credit card is better? Infinia or Regalia?

HDFC Bank Infinia Credit Card is packed with golf privileges and fuel surcharge waiver. The former card offers more rewards on purchases and insurance benefits than the later one. However, HDFC Bank Regalia Credit Card offers attractive milestone benefits. Having said that, Infinia carries a way higher joining and renewal membership fee.
At an annual membership fee of Rs. 2,500 + applicable taxes, Regalia Gold Credit Card offers adequate value for users relatively compared to Infinia.
Customers are thereby advised to choose a credit card that offers best value according to their respective spend patterns, earnings and repayment capacities.
You may end up paying extra money unnecessarily if you get a credit card just for the sake of premium benefits without factoring in the high charges of membership.
The premium benefits of credit cards are of no use to a person who has limited spends in a month, rarely takes a flight, not interested in golf and stay or dine-in frequency at premium hotels is very occasional.

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HDFC Infinia Credit Card vs HDFC Regalia Credit Card: A 10-Point Comparison

Conclusion: Which credit card is better? Infinia or Regalia?

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