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WINNER
HDFC Regalia Gold Credit Card
HDFC Regalia Gold Credit Card
HDFC Bank
VS
Standard Chartered Platinum Rewards Credit Card
Standard Chartered Platinum Rewards Credit Card
Standard Chartered

HDFC Regalia Gold Credit Card vs Standard Chartered Platinum Rewards Credit 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
86
Overall Score / 100
4.3/5

Scoreboard· 4 measured features

0
HDFC Regalia Gold Credit Card
Overall winner
0
Tied
4
Standard Chartered Platinum Rewards Credit Card

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

50,000
₹5k₹1L₹2L
HDFC Regalia Gold Credit Card
Rewards (3.3%)+ ₹19,800
Annual fee− ₹2,500
Net per year+17,300
Better here
Standard Chartered Platinum Rewards Credit Card
Rewards (5.0%)+ ₹30,000
Annual fee− ₹750
Net per year+29,250
Standard Chartered Platinum Rewards Credit Card gives you 11,950 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
Standard Chartered Platinum Rewards Credit Card
Annual Fee
₹2,500
₹750
Joining Fee
₹2,500
Free
Reward Rate
Up to 3.3% via SmartBuy, base 1.3%
5
Welcome Bonus
2,500 reward points
None
Lounge Access
12 visits/year domestic + international
Yes
Min. Income
₹1,20,000
₹35,000
Min. Credit Score
750
720

InvestingPro Expert Verdict

Based on SEBI-compliant analysis • Affiliate disclosed

Standard Chartered Platinum Rewards Credit Card wins here with a lower annual fee (₹750 vs ₹2,500) and a higher reward rate (5% vs 4%). 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 Standard Chartered Platinum Rewards Credit Card
Lower annual fees — ideal for budget-conscious users who want value without high costs.
✈️
Choose HDFC Regalia Gold Credit Card
Higher fee but more premium perks — best for power users who maximize rewards.
HDFC Regalia Gold Credit Card
HDFC Regalia Gold Credit Card
HDFC Bank

Opens official HDFC Bank website

Standard Chartered Platinum Rewards Credit Card
Standard Chartered Platinum Rewards Credit Card
Standard Chartered

Opens official Standard Chartered 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