What are the annual fees for HDFC Bank Regalia Gold Credit Card and Tata Neu Infinity HDFC Bank Credit Card?

HDFC Bank Regalia Gold Credit Card has ₹2,500 + GST. Tata Neu Infinity HDFC Bank Credit Card has ₹1,499 + GST. 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; Tata Neu Infinity HDFC Bank Credit Card earns about 1.5%. 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%. Tata Neu Infinity HDFC Bank Credit Card: 2% (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. Tata Neu Infinity HDFC Bank Credit Card: yes — see the lounge row above for limits.

Card Comparison

HDFC Regalia Gold vs Tata Neu Infinity HDFC

HDFC Regalia Gold vs Tata Neu Infinity HDFCcompared 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 Tata Neu Infinity HDFC suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: 8 partner deals vs 2. 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

Tata Neu Infinity HDFC

Annual fee: ₹1,499 + GST
Everyday rate: 1.5%
Monthly cap: No cap

Notable strengths

Bonus rewards on Tata Neu (up to 5%)
No monthly reward cap

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

48 specs · 13 sections

HDFC Bank Regalia Gold

Tata Neu Infinity HDFC Bank

Feature

HDFC Bank Regalia Gold

Tata Neu Infinity HDFC Bank

Annual Fee

₹2,500

₹1,499

Joining Fee

₹2,500

₹1,499

Fee Waiver Spend

₹4,00,000

₹3,00,000

Forex Markup

Reward Type

Reward Points

NeuCoins

Base Rate

1.25%

1.5%

Effective Base Rate

1.25%

1.5%

Point Value

₹0.5

₹1

Redemption Quality

HIGH

Best Redemption

₹0.5

₹1

Worst Redemption

₹0.2

₹1

Airtel

3.33%

—

Myntra

6.25%

—

Nykaa

6.25%

—

Phonepe

3.33%

—

Reliance Digital

6.25%

—

Grocery / Supermarkets

1.25%

1.5%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

1.25%

1.5%

Flights, Hotels, OTAs, Tour Operators

12.5%

1.5%

Other Retail / Catch-all

1.25%

1.5%

Monthly Cap

Category caps apply

Est. Annual Cap

Category caps apply

Total Excluded

5 categories

Online Gaming / Betting

Earns rewards

Excluded

EMI Transactions

Excluded

Earns rewards

Domestic Visits/Year

International Visits/Year

Priority Pass

Yes

Est. Annual Value

₹10,230

₹6,820

Forex Markup

Description

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

1,499 NeuCoins on Tata Neu App (as reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance.

Estimated Value

₹5,898

₹1,499

Fuel Surcharge Waiver

Yes

Best Suited For

Travel, Shopping

Tata Ecosystem Shopping, Lifestyle Rewards

Min Income

₹1,50,000/month

₹1,00,000/month

Income Proof

Required

Not required

Secured FD

Accepting Applications

Yes

Network

Visa, Mastercard

Visa, RuPay

Card Tier

Premium

Gold

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 Tata Neu Infinity HDFC Bank Credit Card?: HDFC Bank Regalia Gold Credit Card has ₹2,500 + GST. Tata Neu Infinity HDFC Bank Credit Card has ₹1,499 + GST. 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; Tata Neu Infinity HDFC Bank Credit Card earns about 1.5%. 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%. Tata Neu Infinity HDFC Bank Credit Card: 2% (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. Tata Neu Infinity HDFC Bank 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 · HDFC Bank - Tata Neu Infinity HDFC