HDFC Bank 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 Rs 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 / Rs 200 spent via SmartBuy); smartbuy flights: Up to 5X Reward Points (25 RP / Rs 200 spent via SmartBuy); smartbuy gyftr: Up to 5X Reward Points (25 RP / Rs 200 spent on instant vouchers via SmartBuy)
HSBC 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 / Rs 100; Flights via HSBC: Up to 16 Reward Points / Rs 100; Car rentals via HSBC: Up to 8 Reward Points / Rs 100
| Feature | HDFC Bank Regalia Gold Credit Card | HSBC 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 / Rs 200 spent via SmartBuy); smartbuy flights: Up to 5X Reward Points (25 RP / Rs 200 spent via SmartBuy); smartbuy gyftr: Up to 5X Reward Points (25 RP / Rs 200 spent on instant vouchers via SmartBuy) | Hotels via HSBC: Up to 24 Reward Points / Rs 100; Flights via HSBC: Up to 16 Reward Points / Rs 100; Car rentals via HSBC: Up to 8 Reward Points / Rs 100 |
| SmartBuy / accelerated caps | smartbuy hotels: daily 2,000 reward points, monthly 2,000 reward points; smartbuy flights: daily 2,000 reward points, monthly 2,000 reward points; smartbuy gyftr: daily 2,000 reward points, monthly 4,000 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 | Rs 5,000 worth flight vouchers on spends of Rs 5 lakh, Rs 5,000 worth flight vouchers on spends of Rs 7.5 lakh, Rs 1,500 worth Myntra or Nykaa vouchers on quarterly spends of Rs 1.5 lakh, Renewal fee waived on annual spends of Rs 4 lakh | 10,000 bonus reward points on annual spends above Rs 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 |