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WINNER
HDFC Regalia Gold Credit Card
HDFC Regalia Gold Credit Card
HDFC Bank
VS
R
RBL Bank Platinum Maxima Plus Card
RBL Bank

HDFC Regalia Gold Credit Card vs RBL Bank Platinum Maxima Plus Card

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

credit card
Updated Jul 2026
Recommended
94
Overall Score / 100
4.7/5
80
Overall Score / 100
4.0/5

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

50,000
₹5k₹1L₹2L
Better here
HDFC Regalia Gold Credit Card
Rewards (3.3%)+ ₹19,800
Annual fee− ₹2,500
Net per year+17,300
RBL Bank Platinum Maxima Plus Card
Rewards (0.0%)+ ₹0
Annual feeFree
Net per year0
HDFC Regalia Gold Credit Card gives you 17,300 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 Regalia Gold Credit Card
RBL Bank Platinum Maxima Plus Card
Annual Fee
₹2,500
Free
Joining Fee
₹2,500
Free
Reward Rate
Up to 3.3% via SmartBuy, base 1.3%
Welcome Bonus
2,500 reward points
None
Lounge Access
12 visits/year domestic + international
None
Min. Income
₹1,20,000
Min. Credit Score
750

InvestingPro Expert Verdict

Based on SEBI-compliant analysis • Affiliate disclosed

HDFC Regalia Gold Credit Card edges ahead on our rating (4.7★ vs 4.2★), though the two cards are close on fees and rewards. RBL Bank Platinum Maxima Plus Card remains a solid alternative at ₹3,000 annually, especially if you're already banking with RBL 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 RBL Bank Platinum Maxima Plus Card
Higher fee but more premium perks like lounge access and higher reward rates — best for frequent spenders.
HDFC Regalia Gold Credit Card
HDFC Regalia Gold Credit Card
HDFC Bank

Opens official HDFC Bank website

RBL Bank Platinum Maxima Plus Card
RBL Bank

Opens official RBL 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