HDFC Regalia Gold vs HDFC RuPay UPI Credit Card
Net value is estimated on a sample monthly spend, ranked by value not commission.
Verdict
On our reference spend profile, HDFC Regalia Gold comes out ahead on estimated net value — about ₹42,860/yr more than the HDFC RuPay UPI Credit Card. Your own spending pattern can change this — run the numbers in the rewards calculator.
| Attribute | HDFC Regalia Gold Best valuePopular | HDFC RuPay UPI Credit Card |
|---|---|---|
| Issuer | HDFC Bank | HDFC Bank |
| Annual fee | ₹2,500 / year | No annual fee |
| Welcome bonus | Gift voucher worth ₹2,500 | — |
| Min. income (monthly) | INR 100,000 | INR 25,000 |
| Reward type | points | cashback |
| Headline rate | — | 3% cashback |
| Bonus categories | dining, travel, international | groceries, upi_spends |
| Lounge access | Yes | No |
| Foreign tx fee | 2% | 3.5% |
| Est. net value / yr | ₹51,740 | ₹8,880 |
| Apply | Apply |
Frequently asked questions
- HDFC Regalia Gold vs HDFC RuPay UPI Credit Card: which is better?
- On our reference spend profile the HDFC Regalia Gold delivers higher estimated net value than the HDFC RuPay UPI Credit Card in India, so it wins on value. Your own spending pattern may change the result — run both through the rewards calculator.
- What is the annual fee difference between HDFC Regalia Gold and HDFC RuPay UPI Credit Card?
- HDFC Regalia Gold: ₹2,500 / year. HDFC RuPay UPI Credit Card: No annual fee.
- Which earns more rewards, HDFC Regalia Gold or HDFC RuPay UPI Credit Card?
- HDFC Regalia Gold earns points; HDFC RuPay UPI Credit Card earns 3% cashback. We rank by net value after fees, not headline rate alone.