AU Zenith Credit Card vs HDFC Regalia Gold Credit Card: Which Earns You More? (2026)
Most comparisons show a spec sheet. This one does the maths: set your monthly spend and pick how you redeem points to see the honest net annual value in ₹ for each card — caps, exclusions, fee waivers and milestones applied. Card details verified 2026-07.
Your monthly spend
₹50,000/moMost cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
HDFC Bank · fee waived at your spend
AU Small Finance Bank · fee waived at your spend
Smart Verdict
Choose HDFC Regalia Gold Credit Card to earn an extra ~₹4,310
HDFC Regalia Gold Credit Card wins by ₹4,310/yr vs AU Zenith Credit Card, mainly from your online shopping (general) spend.Net annual value across spend levels
All ₹ values exclude GST. Perks like lounge access are shown separately and not added into net value. Rewards use your selected redemption mode (cashback / statement credit).
AU Zenith Credit Card vs HDFC Regalia Gold Credit Card at different spend levels
- At ₹25,000/month, HDFC Regalia Gold Credit Card nets ₹1,550/yr vs AU Zenith Credit Card at -₹5,824/yr — a ₹7,374 edge.
- At ₹50,000/month, HDFC Regalia Gold Credit Card nets ₹11,420/yr vs AU Zenith Credit Card at ₹7,110/yr — a ₹4,310 edge.
- At ₹1,00,000/month, HDFC Regalia Gold Credit Card nets ₹21,220/yr vs AU Zenith Credit Card at ₹11,040/yr — a ₹10,180 edge.
Worked examples use a typical category split at each spend level and cashback-mode point valuation. Your split changes the result.
Full specification comparison
| Feature | AU Zenith Credit CardAU Small Finance Bank | HDFC Regalia Gold Credit CardHDFC Bank |
|---|---|---|
| Annual fee | ₹7,999/yr | ₹2,500/yr |
| Fee waiver | Spend ₹5,00,000/yr | Spend ₹4,00,000/yr |
| Base reward | 3 pts / ₹100 | 2.5 pts / ₹100 |
| Top categories | 5x dining, 5x groceries, 1x insurance | 12.5x online, 2.5x groceries, 2.5x insurance |
| Redemption | Moderate | Moderate |
| Point expiry | 24 months | 24 months |
| Lounge access | 8 dom · 8 intl⚠ 2 complimentary domestic + 2 international lounge visits per quarter. Priority Pass usage within India chargeable at $35+taxes per visit since Jan 2025. | 12 dom · 6 intl⚠ 3 domestic visits per calendar quarter on ₹60,000+ spend in preceding quarter (effective July 2026). 6 international visits/year via Priority Pass. Priority Pass in India charged $27/visit. |
| Forex markup | 1.99% | 2% |
| Fuel surcharge | 1% waiver, up to ₹1,000/mo | None |
| Stated income | Self-employed: 25-65 yrs; Salaried: 21-60 yrs (income as specified) | Salaried: Net Monthly > ₹1L (Govt) / ₹1.5L (Non-Govt); Self-Employed: ITR > ₹18L p.a.; Age 21-60 (salaried) / 21-65 (SE) |
| Recent devaluations |
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| Verified against |
Frequently asked questions
Which is better, AU Zenith Credit Card or HDFC Regalia Gold Credit Card?
At a typical ₹50,000/month spend (cashback redemption), HDFC Regalia Gold Credit Card comes out ahead by about ₹4,310 per year, driven mostly by online shopping (general) spend. Your own split can change the answer — use the calculator above to plug in your numbers.
Which card is better for online shopping, AU Zenith Credit Card or HDFC Regalia Gold Credit Card?
AU Zenith Credit Card earns 3 pts/₹100 as a base, while HDFC Regalia Gold Credit Card earns 2.5 pts/₹100. Check the accelerated online/Amazon/Flipkart rates and monthly caps in the table above, since caps often decide the winner for heavy online spenders.
What are the annual fees for AU Zenith Credit Card and HDFC Regalia Gold Credit Card?
AU Zenith Credit Card: ₹7,999 + GST per year, waived on ₹5,00,000 annual spend. HDFC Regalia Gold Credit Card: ₹2,500 + GST per year, waived on ₹4,00,000 annual spend.
Do AU Zenith Credit Card and HDFC Regalia Gold Credit Card earn rewards on rent, fuel and utilities?
Like most Indian cards, several everyday categories are excluded. AU Zenith Credit Card excludes fuel, rent; HDFC Regalia Gold Credit Card excludes fuel, rent. The calculator shows these as ₹0 earners so your net value stays honest.
Is AU Zenith Credit Card ever the better pick over HDFC Regalia Gold Credit Card?
Within a normal spend range at ₹50,000/month, HDFC Regalia Gold Credit Card stays ahead. AU Zenith Credit Card can still win on specific perks (lounge, forex, redemption ease) that aren't counted in the net-value maths.