Regalia Gold Credit Card
Rs 2,500Annual fee
Rs 4,00,000Fee waiver spend
12Domestic lounge
Domestic lounge conditions
- 12 complimentary visits per year (max 3 per quarter).
- From 1 July 2026 access is spend-gated: requires ₹60,000 of spend in the preceding calendar quarter to unlock the next quarter.
- Complimentary Priority Pass membership on request after 4 retail transactions.
- 6 complimentary visits per calendar year outside India (primary and add-on cardholders); extra visits charged at US $27 + GST.
2%Forex markup
Best for
Travel, Lounge, Lifestyle, SmartBuy, Premium Rewards
Top rewards
SmartBuy Hotels: Up to 10X Reward Points (50 RP / ₹200 spent via SmartBuy); SmartBuy Flights: Up to 5X Reward Points (25 RP / ₹200 spent on flights via SmartBuy); SmartBuy Gyftr: Up to 5X Reward Points (25 RP / ₹200 spent on instant vouchers via SmartBuy)
TravelOne Credit Card
Rs 4,999Annual fee
Rs 8,00,000Fee waiver spend
6Domestic lounge
3.5%Forex markup
Best for
Travel, Airlines, Hotels, Lounge, Miles
Top rewards
Hotels Via HSBC: Up to 24 Reward Points / ₹100; Flights Via HSBC: Up to 16 Reward Points / ₹100; Car Rentals Via HSBC: Up to 8 Reward Points / ₹100
| Feature | Regalia Gold Credit Card | TravelOne Credit Card |
|---|---|---|
| Issuer | HDFC Bank | HSBC Bank |
| Network | Visa, Mastercard | Mastercard |
| Joining fee | Rs 2,500 | Rs 4,999 |
| Annual fee | Rs 2,500 | Rs 4,999 |
| Fee waiver spend | Rs 4,00,000 | Rs 8,00,000 |
| Reward type | Reward Points | Reward Points |
| Best for | Travel, Lounge, Lifestyle, SmartBuy, Premium Rewards | Travel, Airlines, Hotels, Lounge, Miles |
| Top reward categories | SmartBuy Hotels: Up to 10X Reward Points (50 RP / ₹200 spent via SmartBuy); SmartBuy Flights: Up to 5X Reward Points (25 RP / ₹200 spent on flights via SmartBuy); SmartBuy Gyftr: Up to 5X Reward Points (25 RP / ₹200 spent on instant vouchers via SmartBuy) | Hotels Via HSBC: Up to 24 Reward Points / ₹100; Flights Via HSBC: Up to 16 Reward Points / ₹100; Car Rentals Via HSBC: Up to 8 Reward Points / ₹100 |
| SmartBuy / accelerated caps | SmartBuy Hotels: Daily 2,000 Reward Points, Monthly 4,000 Reward Points; SmartBuy Flights: Daily 2,000 Reward Points, Monthly 4,000 Reward Points; SmartBuy Gyftr: Daily 2,000 Reward Points, Monthly 3,000 Reward Points; SmartBuy Train: Daily 2,000 Reward Points, Monthly 4,000 Reward Points | Not Listed |
| Domestic lounge | 12 | 6 |
| International lounge | 6 | 4 |
| Forex markup | 2% | 3.5% |
| Milestone benefits | ₹5,000 worth flight vouchers on spends of ₹5 lakh, ₹5,000 worth flight vouchers on spends of ₹7.5 lakh, ₹1,500 worth Myntra or Nykaa vouchers on quarterly spends of ₹1.5 lakh, Renewal fee waived on annual spends of ₹4 lakh | 10,000 bonus reward points on annual spends above ₹12 lakh |
| Redemption | SmartBuy travel: upto Rs 0.5 per point; Air miles: upto Rs 0.5 per point; Statement credit: upto Rs 0.2 per point | Air miles: upto Rs 1 per point |
| Key exclusions | fuel, rent, wallet loads, government transactions, cash withdrawal, emi transactions | Utilities, Fuel, Tax payments, Real estate and property managers, Non-financial institutions, Money transfers |