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HDFC Infinia Metal Edition vs HDFC Regalia Gold Credit Card

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

PremiumCard A

HDFC Infinia Metal Edition

High Net-Worth Individuals

Annual Fee
₹12,500
Reward Rate
Up to 33% via SmartBuy (5X points)
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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

FeatureHDFC InfiniaHDFC Regalia
Annual Fee₹12,500 (Waived on ₹10L spend; retention now requires ₹18L spend or ₹50L relationship value)₹2,500 + GST (Waived on ₹4L spend)
Reward RateUp to 33% via SmartBuy (5X points)5 RP per ₹200 (~1.625% effective, from May 2026)
Best ForHigh Net-Worth IndividualsMid-Premium Lifestyle
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryHDFC InfiniaHDFC Regalia
Domestic travel
International travel
Everyday spending
Airport lounge access

Quick verdict

Choose HDFC Infinia Metal Edition 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 ₹12,500)
  • You spend heavily on everyday spending

Full pros & cons

HDFC Infinia Metal Edition

What's good
  • Unlimited domestic and international lounge access for all add-on members
  • Best-in-class travel rewards via HDFC SmartBuy (5X points on flights & hotels)
  • Comprehensive concierge and lifestyle benefits
Watch out for
  • Strictly invite-only — no open application
  • Very high ₹10L annual spend criterion for fee waiver
  • Redemption requests capped at 5/month (February 2026) — limits booking flexibility for high-spend cardholders
  • From April 2026, requires ₹18L annual spend or ₹50L relationship value to retain the card
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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
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