Regalia Gold Credit Card vs Standard Chartered Ultimate Credit Card
HDFC Bank · Standard Chartered Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
HDFC BankScoreExcellent
Annual Fee₹2,500
Max Reward6.67%
Standard Chartered BankScoreVery Good
Annual Fee₹5,000
Max Reward3.33%
Regalia Gold Credit Card leads overall with a CardCheck Score of 82/100 (+7 pts over Standard Chartered Ultimate Credit Card).
4-Pillar Head-to-Head Breakdown
Regalia vs StandardReward Power
35%Regalia34/35
Standard27/35
Regalia Wins
Fee Value & ROI
25%Regalia18/25
Standard18/25
Tie (18/25)
Lounge & Travel
20%Regalia18/20
Standard18/20
Tie (18/20)
Forex & Access
20%Regalia12/20
Standard12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 82Best
- 75
- Rating Verdict
- Excellent
- Very Good
- Reward Power (35%)
- 34/35
- 27/35
- Fee Value & ROI (25%)
- 18/25
- 18/25
- Lounge & Travel (20%)
- 18/20
- 18/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- HDFC Bank
- Standard Chartered Bank
- Network
- Mastercard
- Mastercard
- Card type
- Premium
- Premium
- Best for
- Travel rewards
- SC's premium Mastercard — 4 lounge/qtr, 3.33% dining & travel, 2% forex
03—Fees
- Joining fee
- ₹2,500Best
- ₹5,000
- Annual fee
- ₹2,500Best
- ₹5,000
- Fee waiver
- ₹4,00,000
- —
- Interest-free days
- 50Best
- 48
04—Interest
- APR (min)
- 43.2%
- 23.88%Best
- APR (max)
- 45%
- 45%
- Late payment fee
- ₹1,300
- —
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- points
- points
- Min rate
- 1.33%
- 2%Best
- Max rate
- 6.67%Best
- 3.33%
- Points / ₹100
- 2.67
- 3.33Best
- Point value
- ₹0.5
- ₹1
06—Travel & Lounge
- Domestic lounge / qtr
- 3
- 4Best
- Lounge spend criteria
- ₹60,000 spend in preceding calendar quarter
- ₹20,000 spend req.
- Intl lounge / year
- 6
- 12Best
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 2%
- 2%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 21
- Min income / month
- ₹1,00,000
- —
- Min CIBIL
- 750
- —
- Invite only
Rows won
05of 10
05of 10
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 82Best | 75 |
| Rating Verdict | Excellent | Very Good |
| Reward Power (35%) | 34/35 | 27/35 |
| Fee Value & ROI (25%) | 18/25 | 18/25 |
| Lounge & Travel (20%) | 18/20 | 18/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | Standard Chartered Bank |
| Network | Mastercard | Mastercard |
| Card type | Premium | Premium |
| Best for | Travel rewards | SC's premium Mastercard — 4 lounge/qtr, 3.33% dining & travel, 2% forex |
03—Fees Differences highlighted | ||
| Joining fee | ₹2,500Best | ₹5,000 |
| Annual fee | ₹2,500Best | ₹5,000 |
| Fee waiver | ₹4,00,000 | — |
| Interest-free days | 50Best | 48 |
04—Interest Differences highlighted | ||
| APR (min) | 43.2% | 23.88%Best |
| APR (max) | 45% | 45% |
| Late payment fee | ₹1,300 | — |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1.33% | 2%Best |
| Max rate | 6.67%Best | 3.33% |
| Points / ₹100 | 2.67 | 3.33Best |
| Point value | ₹0.5 | ₹1 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 3 | 4Best |
| Lounge spend criteria | ₹60,000 spend in preceding calendar quarter | ₹20,000 spend req. |
| Intl lounge / year | 6 | 12Best |
| 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 age | 21 | 21 |
| Min income / month | ₹1,00,000 | — |
| Min CIBIL | 750 | — |
| Invite only | ||
| Rows won | 05of 10 | 05of 10 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Regalia Gold Credit Card | Standard Chartered Ultimate Credit Card |
|---|---|---|
| CardCheck Score | 82/100Excellent | 75/100Very Good |
| Annual Fee | ₹2,500 | ₹5,000 |
| Fee Waiver Spend | ₹4L/yr | No waiver |
| Max Reward Potential | 6.67% | 3.33% |
| Domestic Lounge Access | 3 / quarter | 4 / quarter |
| International Lounge | 6 / year | 12 / year |
| Forex Markup Fee | 2% | 2% |
Choose Regalia Gold Credit Card if:
Your spending centers around travel rewards and you want direct partner rewards with HDFC Bank.
Choose Standard Chartered Ultimate Credit Card if:
Your spending aligns with sc's premium mastercard — 4 lounge/qtr, 3.33% dining & travel, 2% forex and you prioritize Standard Chartered Bank's redemption benefits.
Frequently asked questions: Regalia Gold Credit Card vs Standard Chartered Ultimate Credit Card
- Which is better: Regalia Gold Credit Card or Standard Chartered Ultimate Credit Card?
- Regalia Gold Credit Card holds a higher overall rating with a CardCheck Score of 82/100 (Excellent) compared to 75/100 (Very Good) for Standard Chartered Ultimate Credit Card (a lead of +7 points). Regalia Gold Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- How do annual fees and fee waiver spend rules compare?
- Regalia Gold Credit Card charges an annual fee of ₹2,500 with an annual spend threshold of ₹4 Lakh for renewal fee waiver. In comparison, Standard Chartered Ultimate Credit Card charges an annual fee of ₹5,000 with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between Regalia Gold Credit Card and Standard Chartered Ultimate Credit Card?
- Regalia Gold Credit Card offers a base reward rate of 1.33% and up to 6.67% on accelerated partner categories. Meanwhile, Standard Chartered Ultimate Credit Card offers a base rate of 2% and up to 3.33% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Regalia Gold Credit Card or Standard Chartered Ultimate Credit Card?
- 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). On the other hand, Standard Chartered Ultimate Credit Card provides 4 complimentary domestic lounge visits per quarter (16/year) and 12 international lounge visits/year with Priority Pass (requires ₹20,000 spend in the previous period to unlock).
- Which card is better for international foreign currency spends?
- Regalia Gold Credit Card levies a foreign currency markup fee of 2%, while Standard Chartered Ultimate 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).