HDFC Bank Infinia vs Regalia Gold Credit Card

HDFC Bank Infinia vs Regalia Gold Credit Card

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Infinia and Regalia Gold are two of the most popular credit cards from HDFC Bank. If you hold a Regalia Gold and are looking for or are eligible for an upgrade to Infinia, then this article is for you. In this post, we compare HDFC Bank Infinia vs Regalia Gold credit card. We will include all aspects like fees, rewards, and redemption options. Read on to decide which is the right credit card for you when it comes to Infinia vs Regalia Gold.


InfiniaRegalia Gold
Joining FeeRs 12500+GST/FYFRs 2500+GST
Welcome Benefit1 year Club Marriott membership and 12500 RP if joining fee is paidComplimentary Club Vistara Silver Tier, MMT Black Elite Membership

Rs 2500 GV if fee is paid
Annual FeeRs 12500+GSTRs 2500+GST
Annual Fee WaiverRs 10 Lakh annual spendRs 4 Lakh annual spend
Renewal Benefit12500 RP if renewal fee is paid None
HDFC Bank Infinia vs Regalia Gold Credit Card: Fees


Both Infinia and Regalia Gold are reward point credit cards. This makes it easy to compare both to see which is more rewarding.

LTF IndusInd Bank Credit Cards
CategoryInfiniaRegalia Gold
Base Rewards5 RP/Rs 150 ~3.3%4 RP/Rs 150 ~1.3%
Spends at 5X partnersNA20 RP per Rs 150 ~6.7%
Quarterly Milestone Benefit
Get Rs 1500 GV on Rs 1.5 Lakh spend. The options are Marriott, Myntra, Marks and Spencer or Reliance Digital
Annual Milestone BenefitNARs 5000 flight GV each on Rs 5 Lakh spend and on Rs 7.5 Lakh spend
HDFC Bank Infinia vs Regalia Gold Credit Card: Rewards

While both Regalia Gold and Infinia earn reward points, what makes the major difference is the value of 1 RP. If we redeem RP for flights, 1 RP = 50 paise for Regalia Gold and 1 RP = Rs 1 for Infinia. Reward redemption is assumed to be for SmartBuy Flights for both Infinia and Regalia Gold to calculate the reward rate in the above table.

We get access to 5X rewards partners on the Regalia Gold. At this point, the 5X reward partners are Marks & Spencer, Myntra, Reliance Digital and Nykaa. The cap is 5000 RP per calendar month for the bonus points in this category.

SmartBuy Rewards

HDFC Bank Smartbuy Rewards for Regalia and Millennia

HDFC Bank SmartBuy rewards tilt the scale in favour of Infinia. Infinia is HDFC Bank’s top credit card and gets the maximum benefits on SmartBuy. It has a higher earn rate and bonus RP cap on SmartBuy.

LTF IDFC First Bank Credit Cards
  • Infinia gets up to 15000 bonus RP per calendar month. The daily cap is the same at 15000 RP.
  • Regalia Gold gets up to 4000 bonus RP per calendar month. The daily cap is 2000 RP.
CategoryRewards on Regalia Gold and InfiniaReturn on RegaliaReturn for Infinia
Instant Vouchers5X6.6%16.5%
Apple Tresor5X6.6%16.5%
Zoom Car5X6.6%16.5%
HDFC Bank Infinia vs Regalia Gold Credit Card: SmartBuy Rewards

Reward Redemption is assumed to be for SmartBuy Flights in the case of both Infinia and Regalia Gold to calculate the reward rate in the above table.

Rewards Redemption

Redemption OptionRegalia Gold (Value of 1 RP)Infinia (Value of 1 RP)
SmartBuy (Flights/Hotels)50 paiseRs 1
Tanishq Vouchers/Apple Products35 paiseRs 1
Airmiles – Intermiles, Singapore Airlines (KrisFlyer), Club Vistara0.5 AirMile1 AirMile
Rewards Catalogue (Including Vouchers)Up to 35 paise20 paise to 50 paise
Cashback20 paise30 paise
HDFC Bank Infinia vs Regalia Gold Credit Card: Rewards Redemption

HDFC Bank Infinia vs Regalia Gold: Transfer Partners

HDFC Bank Infinia vs Regalia Credit Card - Transfer Partners

Infinia also gets access to many more airline and hotel transfer partners than KrisFlyer and Club Vistara.

Transfer PartnerInfinia Transfer Ratio
Regalia Gold Transfer Ratio
Air Canada – AeroPlan2:13:1
Air Asia – airasia rewards1:12:1
ALL – Accor Live Limitless2:12:1
Avianca LifeMiles2:12:1
British Airways Executive Club2:13:1
Etihad Guest2:13:1
Finnair Plus1:12:1
Flying Blue1:12:1
Hainan Airlines – Fortune Wings Club1:12:1
IHG One Rewards1:12:1
Vietnam Airlines – Lotusmiles Program1:12:1
Turkish Airlines – Miles&Smiles2:12:1
United MileagePlus2:12:1
Wyndham Rewards1:12:1
Singapore Airlines – KrisFlyer1:12:1
Vistara Airlines – Club Vistara1:12:1
HDFC Bank Infinia vs Regalia Gold Credit Card: Transfer Partners

Airport Lounge Access

TypeRegalia GoldInfinia
Domestic Airport Lounge Access12 complimentary visits/calendar yearUnlimited visits. Priority Pass lounge access is free even within India
International Airport Lounge Access6 complimentary visits/calendar yearUnlimited visits
HDFC Bank Infinia vs Regalia Gold Credit Card: Airport Lounge Access

Which card is better: HDFC Bank Infinia vs Regalia Gold Credit Card?

Regalia Gold is a stepping stone for the Infinia upgrade. As expected, it comes with better rewards and benefits.

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If you have higher spending in the range of more than Rs 5 Lakh, Infinia is a natural choice. We get 12500 RP in exchange for the annual fee, so we do not need to spend Rs 10 Lakh to get the fee waiver. The effective payment in such cases is Rs 2250 for the GST component. For spending close to 10 Lakh, getting the Infinia is a no-brainer. 🙂

If you like to travel, Infinia comes with unlimited complimentary airport lounge access both within and outside India. This can also be extended to add-on card members with their individual Priority Pass.

Advantages of Infinia over Regalia Gold

  • Base reward rate is higher for Infinia at 3.3% vs 1.3% on Regalia Gold. You get many more reward points on Infinia for the same spends.
  • SmartBuy reward rate for Infinia is higher than that of Regalia Gold for all types of spends. For example, instant vouchers will get you 16.5% rewards on Infinia vs 6.5% on Regalia Gold.
  • SmartBuy cap for Infinia is almost 4 times that of Regalia Gold
  • Complimentary unlimited airport lounge access for both domestic and international
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