HDFC Regalia vs Infinia credit card - Which is Better?

HDFC Bank is one of the leading credit card issuers. From lifetime free credit cards to super-premium credit cards, you will definitely find a credit card that fits your profile. Two credit cards have become the talk of the town which are HDFC Bank Infinia and HDFC Bank Regalia credit cards. In this article, we have compared these credit cards in a tabular form in order to make things easier for you. 

HDFC Regalia Vs Infinia Credit Card:

Basis	HDFC Bank Regalia Credit Card	HDFC Bank Infinia Credit Card
Joining Fee	Rs. 2,500 + applicable taxes	Rs. 12,500 + applicable taxes
Renewal Fee	Rs. 2,500 + applicable taxes	Rs. 12,500 + applicable taxes
Spend-Based Waiver	Renewal fee waived off on spending Rs. 3 lakhs and above in the previous year.	Renewal fee waived off on spending Rs. 8 lakhs and above in the previous year.
Welcome Benefits	Bonus 2,500 reward points	Bonus 10,000 reward points and membership of club Marriott.
Milestone Benefits	On spending Rs. 5 lakhs in a year you get 10,000 reward points.	Nil
Rewards	4 RPs on every Rs. 150 spent except fuel transactions. 2,000 RPs capped on the insurance transactions per day	5 RPs on every Rs. 150 spent except fuel transactions. Earn accelerated reward points up to 50 RPs on the SmartBuy portal. Earn 10 RPs on dining spending. 5,000 RPs capped on the insurance transactions per day.
Travel Benefits	12 complimentary domestic lounge access in a year. 6 complimentary international lounge access in a year through the priority pass membership.	Unlimited complimentary domestic lounge access in a year with the priority pass membership. Unlimited complimentary international lounge access in a year.
Movie & Dining Benefits	Exclusive dine-out passport membership. 5% off on dining bills.	Access to the Good Food Trail Program. 1+1 complimentary buffer at ITC hotels.
Interest Charges	3.6% per month (43.2% p.a.)	1.99% per month (23.8% p.a.)
Reward Redemption Fee	Rs. 99	NIL

HDFC Bank Regalia Credit Card

This credit card is specially designed to meet the lifestyle and travel requirements of its customers. You get to enjoy complimentary access to both domestic and international lounges with it. You earn 4 reward points per Rs. 150 spent on the HDFC Bank Regalia Credit Card. Apart from these, you get insurance covers and dining benefits too. Some of the features and benefits of this credit are as follows:

• 2,500 bonus reward points as a welcome offer.

• 4 reward points on every Rs. 150 spent on this credit card.

• Access to complimentary domestic and international lounges.

• Covers accidental air death insurance up to Rs. 1 crore and emergency hospitalization overseas treatment worth Rs. 15 lakhs.

Additional Reading - How To Redeem Regalia Credit Card Points?

HDFC Bank Infinia Credit Card

This credit card comes under super-premium credit cards as you get a high-end luxurious experience with this credit card. You get to earn accelerated reward points on this credit card and unlimited complimentary domestic and international lounge access. You get air accident insurance cover worth Rs. 3 crore and other insurances too. Moreover, you can enjoy the dining benefits on the HDFC Bank Infinia Credit Card as well along with complimentary Club Marriott membership. Hereunder are the features and benefits of this credit card:

• 10,000 bonus reward points as a welcome offer.

• 5 reward points on every Rs. 150 spent on this credit card.

• 10x reward points (50 RPs) on booking hotels/flights/bus tickets from SmartBuy.

• 5x reward points (25 RPs) on rail tickets and shopping from Amazon through SmartBuy.

• 3x reward points (15 RPs) on shopping from Flipkart through the SmartBuy portal.

• Access to unlimited complimentary domestic and international lounges.

• Covers accidental air death up to Rs. 3 crore, medical emergencies during international travel worth Rs. 50 lakhs, and a credit shield cover worth Rs. 9 lakhs. 

Bottom Line:

With a parting thought, after comparing these two credit cards we can say that HDFC Bank Infinia credit card definitely offers more benefits as compared to HDFC Bank Regalia credit card. However, there isn’t much difference. You get lounge access, dining benefits, welcome benefits on both credit cards. The major difference that comes is in their joining and renewal fees and interest charges. After analyzing your spending habits and your financial health you can go for the credit card that suits your profile best. You can also check the HDFC Regalia Vs Moneyback Credit Card. The main thing is how well you manage a credit card, keeping credit card dues clear and maintaining a low credit utilization ratio can help you maintain a good standing account. 

Share your views on HDFC Bank Regalia and Infinia Credit Card in the comment section.