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Credit CardsComparisons

AU Bank Zenith+ Credit Card vs HDFC Regalia Gold Credit Card

A head-to-head comparison of AU Bank Zenith+ Credit Card and HDFC Regalia Gold Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

PremiumCard A

AU Bank Zenith+ Credit Card

Super-Premium Lounge Access & International Travel

Annual Fee
₹4,999
Reward Rate
2 RP per ₹100 on travel & dining (~0.5% at standard redemption)
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PremiumCard B

HDFC Regalia Gold Credit Card

Mid-Premium Lifestyle

Annual Fee
₹2,500
Reward Rate
5 RP per ₹200 (~1.625% effective, from May 2026)
Apply Now Read full review →

Feature comparison

FeatureAU BankHDFC Regalia
Annual Fee₹4,999 + GST (₹5,000 welcome voucher offsets year-1 fee; year-2+ waived on ₹8L annual spend)₹2,500 + GST (Waived on ₹4L spend)
Reward Rate2 RP per ₹100 on travel & dining (~0.5% at standard redemption)5 RP per ₹200 (~1.625% effective, from May 2026)
Best ForSuper-Premium Lounge Access & International TravelMid-Premium Lifestyle
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAU BankHDFC Regalia
Domestic travel
International travel
Everyday spending
Airport lounge access

Quick verdict

Choose AU Bank Zenith+ Credit Card if:

  • You spend heavily on international travel
  • You spend heavily on concierge service

Choose HDFC Regalia Gold Credit Card if:

  • Lower annual fee (₹2,500 vs ₹4,999)
  • You spend heavily on everyday spending

Full pros & cons

AU Bank Zenith+ Credit Card

What's good
  • 16 domestic lounge visits/year (4/quarter) + 16 international lounge visits/year via Priority Pass
  • 0.99% forex markup — one of the lowest on any Indian credit card
  • ₹5,000 luxury welcome voucher on activation — effectively makes year-1 fee-free
  • Airport meet-and-assist service on arrival and departure
  • 2 railway lounge visits/quarter (no spend trigger); ₹2 crore air accident insurance
Watch out for
  • ₹8L annual spend required for fee waiver from year 2 — extremely high bar
  • Standard reward rate (~0.5% effective) is unimpressive for a ₹5K-fee card — reward earning is not the selling point
  • ₹99 + GST redemption fee per transaction reduces effective rewards value
  • Caution: the regular Zenith card underwent a major devaluation in January 2026 — ensure you apply for Zenith+, not the standard Zenith
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HDFC Regalia Gold Credit Card

What's good
  • 12 domestic + 6 international lounge visits per year via Priority Pass
  • Milestone rewards up to ₹16,000/year: ₹1,500 per ₹1.5L quarterly + ₹5,000 each at ₹5L and ₹7.5L annual spend
  • New Travel Edge benefit: upload boarding passes to unlock spa, Uber vouchers, ITC dining, and hotel upgrades
Watch out for
  • From May 2026, reward rate drops to 5 RP per ₹200 (1.625%) — spends under ₹200 earn zero points
  • From July 2026, domestic lounge access requires ₹60,000 quarterly spend to unlock 3 visits
  • Forex markup of 2% + GST (~2.36%) is uncompetitive for international travel
Apply Now
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