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HDFC Infinia Credit Card
HDFC Infinia Credit Card
HDFC Bank
VS
WINNER
HDFC Regalia Gold Credit Card
HDFC Regalia Gold Credit Card
HDFC Bank

HDFC Infinia Credit Card vs HDFC Regalia Gold Credit Card

Detailed side-by-side comparison based on fees, rewards, benefits, and real user data.

credit card
Updated Jul 2026
98
Overall Score / 100
4.9/5
Recommended
94
Overall Score / 100
4.7/5

Scoreboard· 6 measured features

2
HDFC Infinia Credit Card
0
Tied
4
HDFC Regalia Gold Credit Card
Overall winner

What would you save?· ₹ per year, after fees

50,000
₹5k₹1L₹2L
Better here
HDFC Infinia Credit Card
Rewards (150.0%)+ ₹9,00,000
Annual fee− ₹12,500
Net per year+8,87,500
HDFC Regalia Gold Credit Card
Rewards (3.3%)+ ₹19,800
Annual fee− ₹2,500
Net per year+17,300
HDFC Infinia Credit Card gives you 8,70,200 more per year at this spend level.

Estimates use the headline reward rate. Real rewards depend on category-wise spend, monthly caps, and welcome-bonus eligibility. See the full T&C on the issuer's website before applying.

Feature-by-Feature Comparison

Feature
HDFC Infinia Credit Card
HDFC Regalia Gold Credit Card
Annual Fee
₹12,500
₹2,500
Joining Fee
₹12,500
₹2,500
Reward Rate
3.3% on SmartBuy, 1 point/₹150 base
Up to 3.3% via SmartBuy, base 1.3%
Welcome Bonus
10,000 reward points on first transaction
2,500 reward points
Lounge Access
Unlimited worldwide via Priority Pass
12 visits/year domestic + international
Min. Income
₹3,00,000
₹1,20,000
Min. Credit Score
800
750

InvestingPro Expert Verdict

Based on SEBI-compliant analysis • Affiliate disclosed

HDFC Infinia Credit Card edges ahead on our rating (4.9★ vs 4.7★), though the two cards are close on fees and rewards. HDFC Regalia Gold Credit Card remains a solid alternative at ₹2,500 annually, especially if you're already banking with HDFC Bank.

Who Should Get Which?

💰
Choose HDFC Regalia Gold Credit Card
Lower annual fees — ideal for budget-conscious users who want value without high costs.
✈️
Choose HDFC Infinia Credit Card
Higher fee but more premium perks — best for power users who maximize rewards.
HDFC Infinia Credit Card
HDFC Infinia Credit Card
HDFC Bank

Opens official HDFC Bank website

HDFC Regalia Gold Credit Card
HDFC Regalia Gold Credit Card
HDFC Bank

Opens official HDFC Bank website

Disclaimer: This comparison is for informational purposes only. Product details may change; verify on official bank websites before applying. InvestingPro may earn affiliate commission on approved applications. Not SEBI registered investment advice.

No paid rankings
Methodology disclosed
SEBI-compliant
Editorial standards