Infinia Metal Credit Card vs Regalia Gold Credit Card
HDFC Bank · HDFC Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
HDFC BankScoreExcellent
Annual Fee₹12,500
Max Reward10%
HDFC BankScoreExcellent
Annual Fee₹2,500
Max Reward6.67%
Infinia Metal Credit Card leads overall with a CardCheck Score of 85/100 (+3 pts over Regalia Gold Credit Card).
4-Pillar Head-to-Head Breakdown
Infinia vs RegaliaReward Power
35%Infinia35/35
Regalia34/35
Infinia Wins
Fee Value & ROI
25%Infinia18/25
Regalia18/25
Tie (18/25)
Lounge & Travel
20%Infinia20/20
Regalia18/20
Infinia Wins
Forex & Access
20%Infinia12/20
Regalia12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 85Best
- 82
- Rating Verdict
- Excellent
- Excellent
- Reward Power (35%)
- 35/35
- 34/35
- Fee Value & ROI (25%)
- 18/25
- 18/25
- Lounge & Travel (20%)
- 20/20
- 18/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- HDFC Bank
- HDFC Bank
- Network
- Visa
- Mastercard
- Card type
- Premium
- Premium
- Best for
- Travel and lifestyle benefits
- Travel rewards
03—Fees
- Joining fee
- ₹12,500
- ₹2,500Best
- Annual fee
- ₹12,500
- ₹2,500Best
- Fee waiver
- ₹10,00,000
- ₹4,00,000Best
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 23.88%Best
- 43.2%
- APR (max)
- 42%Best
- 45%
- Late payment fee
- —
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 3.33%Best
- 1.33%
- Max rate
- 10%Best
- 6.67%
- Points / ₹100
- 3.33Best
- 2.67
- Point value
- ₹1
- ₹0.5
06—Travel & Lounge
- Domestic lounge / qtr
- Unlimited
- 3
- Lounge spend criteria
- No spend condition
- ₹60,000 spend in preceding calendar quarter
- Intl lounge / year
- —
- 6
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 2%
- 2%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- —
- ₹1,00,000
- Invite only
Rows won
06of 09
03of 09
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 85Best | 82 |
| Rating Verdict | Excellent | Excellent |
| Reward Power (35%) | 35/35 | 34/35 |
| Fee Value & ROI (25%) | 18/25 | 18/25 |
| Lounge & Travel (20%) | 20/20 | 18/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | HDFC Bank |
| Network | Visa | Mastercard |
| Card type | Premium | Premium |
| Best for | Travel and lifestyle benefits | Travel rewards |
03—Fees Differences highlighted | ||
| Joining fee | ₹12,500 | ₹2,500Best |
| Annual fee | ₹12,500 | ₹2,500Best |
| Fee waiver | ₹10,00,000 | ₹4,00,000Best |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 23.88%Best | 43.2% |
| APR (max) | 42%Best | 45% |
| Late payment fee | — | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 3.33%Best | 1.33% |
| Max rate | 10%Best | 6.67% |
| Points / ₹100 | 3.33Best | 2.67 |
| Point value | ₹1 | ₹0.5 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | Unlimited | 3 |
| Lounge spend criteria | No spend condition | ₹60,000 spend in preceding calendar quarter |
| Intl lounge / year | — | 6 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 2% | 2% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | — | ₹1,00,000 |
| Invite only | ||
| Rows won | 06of 09 | 03of 09 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Infinia Metal Credit Card | Regalia Gold Credit Card |
|---|---|---|
| CardCheck Score | 85/100Excellent | 82/100Excellent |
| Annual Fee | ₹12,500 | ₹2,500 |
| Fee Waiver Spend | ₹10L/yr | ₹4L/yr |
| Max Reward Potential | 10% | 6.67% |
| Domestic Lounge Access | Unlimited | 3 / quarter |
| International Lounge | Priority Pass (Select) | 6 / year |
| Forex Markup Fee | 2% | 2% |
Choose Infinia Metal Credit Card if:
Your spending centers around travel and lifestyle benefits and you want direct partner rewards with HDFC Bank.
Choose Regalia Gold Credit Card if:
Your spending aligns with travel rewards and you prioritize HDFC Bank's redemption benefits.
Popular Comparisons for Infinia Metal Credit Card
Direct side-by-side MITC term matchups
Popular Comparisons for Regalia Gold Credit Card
Direct side-by-side MITC term matchups
Frequently asked questions: Infinia Metal Credit Card vs Regalia Gold Credit Card
- Which is better: Infinia Metal Credit Card or Regalia Gold Credit Card?
- Infinia Metal Credit Card holds a higher overall rating with a CardCheck Score of 85/100 (Excellent) compared to 82/100 (Excellent) for Regalia Gold Credit Card (a lead of +3 points). Infinia Metal Credit Card gains its scoring lead primarily through lounge & travel privileges (20 vs 18) and reward potential (35 vs 34) while tying on fee value & ROI and forex & terms.
- How do annual fees and fee waiver spend rules compare?
- Infinia Metal Credit Card charges an annual fee of ₹12,500 with an annual spend threshold of ₹10 Lakh for renewal fee waiver. In comparison, Regalia Gold Credit Card charges an annual fee of ₹2,500 with an annual spend threshold of ₹4 Lakh.
- How do the reward rates and cashback compare between Infinia Metal Credit Card and Regalia Gold Credit Card?
- Infinia Metal Credit Card offers a base reward rate of 3.33% and up to 10% on accelerated partner categories. Meanwhile, Regalia Gold Credit Card offers a base rate of 1.33% and up to 6.67% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Infinia Metal Credit Card or Regalia Gold Credit Card?
- Infinia Metal Credit Card provides unlimited complimentary domestic airport lounge access and complimentary Priority Pass for international lounges with no prior spend requirement. On the other hand, Regalia Gold Credit Card provides 3 complimentary domestic lounge visits per quarter (12/year) and 6 international lounge visits/year with Priority Pass (₹60,000 spend in preceding calendar quarter).
- Which card is better for international foreign currency spends?
- Infinia Metal Credit Card levies a foreign currency markup fee of 2%, while Regalia Gold Credit Card charges 2%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).