In the premium credit card space, HDFC Bank offers two distinguished choices that cater to different segments of high-net-worth customers: the ultra-exclusive HDFC Infinia Metal Credit Card and the accessible yet rewarding HDFC Regalia Gold Credit Card. Both come laden with benefits but diverge sharply in eligibility, rewards, fees, and lifestyle privileges. Here’s a clear, structured comparison to help you choose.
Eligibility and Accessibility
- HDFC Infinia Metal: Invite-only, reserved for ultra-high spenders maintaining a robust banking relationship with HDFC. It’s a symbol of exclusivity for discerning customers.
- HDFC Regalia Gold: Application-based with revised eligibility; salaried individuals earning ₹1.5 lakh/month, government employees ₹1 lakh/month, and self-employed with annual income of ₹18 lakh qualify. Suited for affluent professionals wanting premium benefits without daunting entry barriers.
Annual Fees and Waivers
| Feature | HDFC Infinia Metal | HDFC Regalia Gold |
|---|---|---|
| Annual Fee | ₹12,500 + GST (~₹14,750) | ₹2,500 + GST (~₹2,950) |
| Fee Waiver Threshold | ₹10 lakh annual spend | ₹4 lakh annual spend |
Infinia targets heavy spenders who can justify the hefty fee; Regalia Gold balances benefits with affordability.
Welcome Benefits
- Infinia Metal: 12,500 reward points on activation plus complimentary Club Marriott membership for the first year. The reward points’ high redemption value effectively offsets the joining fee.
- Regalia Gold: ₹2,500 gift voucher, free Swiggy One and MakeMyTrip Black Elite memberships upon spending ₹1 lakh within 90 days. This incentivizes early engagement.
Reward Structures and Earning Potential
- Infinia Metal: 5 reward points per ₹150 on most spends (equating to ~3.3% return when redeemed for premium travel and shopping). SmartBuy platform offers 5X to 10X rewards on flights, hotels, Apple Store, with monthly caps enabling heavy users to maximize returns.
- Regalia Gold: Base 4 points per ₹150 (~2.67% return), with exceptional 20 points per ₹150 on Myntra, Nykaa, Marks & Spencer, and Reliance Digital (6.6% reward rate). SmartBuy trips yield 5X on flights and 10X on hotels, but with lower caps.
Travel Benefits and Lounge Access
| Feature | HDFC Infinia Metal | HDFC Regalia Gold |
|---|---|---|
| Domestic Lounge Access | Unlimited via Priority Pass | 12 visits per year |
| International Lounge | Unlimited worldwide | 6 visits per year |
Infinia is tailored for frequent global travelers seeking unrestricted comfort; Regalia Gold suits moderate travelers.
Insurance Coverage
- Infinia Metal: ₹3 crore accidental air death cover, ₹50 lakh emergency overseas hospitalization, ₹9 lakh credit shield.
- Regalia Gold: ₹1 crore air death cover, ₹15 lakh hospitalization, ₹9 lakh credit shield.
Lifestyle Perks and Exclusive Benefits
- Infinia Metal: Unlimited golf rounds and coaching, generous ITC Hotels programs including “Stay 3 Pay 2”, 1+1 buffet offers, Club Marriott membership with 20% discounts.
- Regalia Gold: Dining discounts via Swiggy Dineout, milestone-based vouchers redeemable for dining and hotel stays.
User Profiles: Who Should Choose Which?
- HDFC Infinia Metal: Best for ultra-high spenders exceeding ₹10 lakh annually who regularly travel internationally, enjoy luxury privileges, and seek unlimited rewards and golf benefits.
- HDFC Regalia Gold: Suits professionals spending ₹3–8 lakh per year, offering strong rewards on shopping, dining, and travel with reasonable fees and achievable fee waivers.
Conclusion: Align Card Choice with Spending and Lifestyle
Both credit cards excel within their tiers. While Infinia Metal delivers unmatched rewards and exclusivity for the highest spenders, Regalia Gold offers accessible premium benefits with an attractive cost-benefit balance. Assess your annual expenditure, travel frequency, and desired privileges carefully. For newcomers to premium cards, Regalia Gold is a compelling entry. Established big spenders with refined tastes will find Infinia Metal more rewarding.
Choose a card that complements your financial habits and lifestyle ambitions to maximize value and enjoyment.
Note: Always verify current terms and eligibility with HDFC Bank and consider consulting a qualified financial advisor before applying.
