Credit Cards head-to-head
Regalia Gold vs Regalia First
A visual, side-by-side research view. Figures come from provider documents and are dated on each product page.
Scoreboard
Longer bar = stronger on that metric. Regalia Gold leads on 3 of 5 comparable metrics.
Regalia GoldRegalia First
Annual feeLower is better
Regalia Gold
Regalia First
Joining feeLower is better
Regalia Gold
Regalia First
Forex markupLower is better
Regalia Gold
Regalia First
Domestic loungesHigher is better
Regalia Gold
Regalia First
International loungesHigher is better
Regalia Gold
Regalia First
Min. credit scoreLower is better
Regalia Gold
Regalia First
Full specification table
| Parameter | Regalia Gold | Regalia First |
|---|---|---|
| ProviderSAME | HDFC Bank | HDFC Bank |
| Joining fee | ₹2,500 | ₹1,000 |
| Annual fee | ₹2,500 | ₹1,000 |
| Reward rate | 1.3% - 6.6% | 1.0% - 3.0% |
| Domestic lounge visits | 12 | 4 |
| International lounge visits | 6 | 0 |
| Forex markup | 2.00% | 3.50% |
| Minimum monthly incomeSAME | ₹25,000 | ₹25,000 |
| Minimum credit scoreSAME | 700 | 700 |
MoneyMust is an independent research platform, not a broker or advisor. This comparison is published for education; verify current terms with the provider before applying.
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