What are the annual fees for HDFC Bank Regalia Gold Credit Card and Scapia Credit Card?

HDFC Bank Regalia Gold Credit Card has ₹2,500 + GST. Scapia Credit Card has no annual fee. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

HDFC Bank Regalia Gold Credit Card earns about 1.25% on general spends; Scapia Credit Card earns about 2%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

HDFC Bank Regalia Gold Credit Card: 2%. Scapia Credit Card: 0% (plus 18% GST on the markup).

Do both cards include airport lounge access?

HDFC Bank Regalia Gold Credit Card: yes — see the lounge row above for limits. Scapia Credit Card: yes — see the lounge row above for limits.

Card Comparison

HDFC Regalia Gold vs Scapia

HDFC Regalia Gold vs Scapiacompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

HDFC Bank Regalia Gold

HDFC Bank

Fee₹2,500+GST

Eff. rate1.25%

CapCategory

Fee

₹2,500+GST

Eff. rate

1.25%

Cap

How they compare

HDFC Regalia Gold and Scapia suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: Free vs ₹2,500 annual fee. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

HDFC Regalia Gold

Annual fee: ₹2,500 + GST
Everyday rate: 1.3%
Monthly cap: No cap

Notable strengths

Bonus rewards on Myntra (up to 6.3%)
No monthly reward cap

Scapia

Annual fee: Free
Everyday rate: 2%
Monthly cap: No cap

Notable strengths

No monthly reward cap
Low forex markup (0%)

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

50 specs · 13 sections

HDFC Bank Regalia Gold

Scapia

Feature

HDFC Bank Regalia Gold

Scapia

Annual Fee

₹2,500

Free

Joining Fee

₹2,500

Free

Fee Waiver Spend

₹4,00,000

N/A

Forex Markup

Reward Type

Reward Points

Base Rate

1.25%

Online Rate

—

Offline Rate

—

Effective Base Rate

1.25%

Point Value

₹0.5

₹0.2

Redemption Quality

HIGH

MEDIUM

Best Redemption

₹0.5

₹0.2

Worst Redemption

₹0.2

Airtel

3.33%

—

Myntra

6.25%

—

Nykaa

6.25%

—

Phonepe

3.33%

—

Reliance Digital

6.25%

—

Grocery / Supermarkets

1.25%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

1.25%

Flights, Hotels, OTAs, Tour Operators

12.5%

Other Retail / Catch-all

1.25%

Monthly Cap

Category caps apply

No cap

Est. Annual Cap

Category caps apply

No cap

Total Excluded

5 categories

2 categories

Fuel / Petrol / Diesel / CNG

Excluded

Earns rewards

Government / Tax Payments

Excluded

Earns rewards

EMI Transactions

Excluded

Earns rewards

Domestic Visits/Year

-1

International Visits/Year

None

Priority Pass

Yes

Est. Annual Value

₹10,230

₹5,280

Forex Markup

International Rate

Yes

Description

₹2,500 gift voucher on paying joining fee + complimentary Swiggy One & MMT Black Gold membership on spending ₹1 lakh within 90 days

—

Estimated Value

₹5,898

—

Fuel Surcharge Waiver

Yes

Best Suited For

Travel, Shopping

Min Income

₹1,50,000/month

Not specified

Income Proof

Required

Not required

Secured FD

Accepting Applications

Yes

Network

Visa, Mastercard

Visa, RuPay

Card Tier

Premium

Entry

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for HDFC Bank Regalia Gold Credit Card and Scapia Credit Card?: HDFC Bank Regalia Gold Credit Card has ₹2,500 + GST. Scapia Credit Card has no annual fee. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: HDFC Bank Regalia Gold Credit Card earns about 1.25% on general spends; Scapia Credit Card earns about 2%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: HDFC Bank Regalia Gold Credit Card: 2%. Scapia Credit Card: 0% (plus 18% GST on the markup).
Do both cards include airport lounge access?: HDFC Bank Regalia Gold Credit Card: yes — see the lounge row above for limits. Scapia Credit Card: yes — see the lounge row above for limits.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: HDFC Bank - HDFC Regalia Gold · Federal Bank - Scapia