HDFC Infinia Metal Edition Credit Card vs HDFC Regalia Gold Credit Card
Calculate exact net annual returns in ₹ after fee waivers, milestone rewards, categories, and caps. Card terms verified July 2026.
Quick Key Takeaways & Fact Summary
- Overall Winner: HDFC Regalia Gold Credit Card earns higher net annual returns at standard spend tiers.
- Annual Fee: HDFC Infinia Metal Edition Credit Card (₹12500/yr) vs HDFC Regalia Gold Credit Card (₹2500/yr).
- Base Reward Rate: HDFC Infinia Metal Edition Credit Card (3.33 pts/₹100) vs HDFC Regalia Gold Credit Card (2.5 pts/₹100).
- Lounge Access: HDFC Infinia Metal Edition Credit Card (999 dom) vs HDFC Regalia Gold Credit Card (12 dom).
Interactive Net Returns Calculator
Adjust spend profiles to compare total net value, annual fee waivers, category earnings, and milestone bonuses.
Your Monthly Spend
₹50,000/moE-Commerce & Online
Daily Essentials
Most cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Lifestyle, Bills & Other
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
1HDFC Bank · fee waived
2HDFC Bank · fee ₹12,500
Smart verdict
Get the HDFC Regalia Gold Credit Card — it earns you +₹16,844/yr over the HDFC Infinia Metal Edition Credit Card, mostly from your rent spend.
Why the winner can show fewer rewards: recurring rewards are only one part of net value. HDFC Regalia Gold Credit Card is ahead after adding milestone benefits and subtracting the effective annual fee; compare those three lines before choosing a card.
How Your Spends Convert to Rewards
Live calculation breakdown for HDFC Infinia Metal Edition Credit Card
| Spend Category | Monthly Spend | Reward Rate | Points Earned | Monthly Value | Annual Value | Status / Caps |
|---|---|---|---|---|---|---|
Fuel | ₹4,000/mo | 0 Pts / ₹100 | 0 pts0 pts/yr | ₹0 | ₹0/yr | Excluded |
Rent | ₹10,000/mo | 0 Pts / ₹100 | 0 pts0 pts/yr | ₹0 | ₹0/yr | Excluded |
Other Online Shopping | ₹6,000/mo | 3.33 Pts / ₹100 | 200 pts2,400 pts/yr | ₹60 | ₹719/yr | Active Earn |
Amazon Spends | ₹3,500/mo | 3.33 Pts / ₹100 | 117 pts1,404 pts/yr | ₹35 | ₹420/yr | Active Earn |
Flipkart Spends | ₹2,000/mo | 3.33 Pts / ₹100 | 67 pts804 pts/yr | ₹20 | ₹240/yr | Active Earn |
Dining & Food Delivery | ₹5,000/mo | 3.33 Pts / ₹100 | 167 pts2,004 pts/yr | ₹50 | ₹599/yr | Active Earn |
Groceries | ₹7,000/mo | 3.33 Pts / ₹100 | 233 pts2,796 pts/yr | ₹70 | ₹839/yr | Active Earn |
Utilities & Bills | ₹4,000/mo | 3.33 Pts / ₹100 | 133 pts1,596 pts/yr | ₹40 | ₹480/yr | Active Earn |
Travel (Flights/Hotels) | ₹4,000/mo | 3.33 Pts / ₹100 | 133 pts1,596 pts/yr | ₹40 | ₹480/yr | Active Earn |
Insurance | ₹1,500/mo | 3.33 Pts / ₹100 | 50 pts600 pts/yr | ₹15 | ₹180/yr | Active Earn |
Other / Offline | ₹3,000/mo | 3.33 Pts / ₹100 | 100 pts1,200 pts/yr | ₹30 | ₹360/yr | Active Earn |
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).
Card features side by side
Use the table for product rules; use the calculator above for value based on your actual spending.
| Feature | HDFC Infinia Metal Edition Credit CardHDFC Bank | HDFC Regalia Gold Credit CardHDFC Bank |
|---|---|---|
| Joining fee | ₹12,500 | ₹2,500 |
| Annual fee | ₹12,500/yr | ₹2,500/yr |
| Fee waiver | Spend ₹10,00,000/yr | Spend ₹4,00,000/yr |
| Base reward | 3.33 pts / ₹100 | 2.5 pts / ₹100 |
| Top reward categories | 3.33x travel, 3.33x insurance, 3.33x groceries | 2.5x online, 2.5x groceries, 2.5x insurance |
| Redemption friction | Easy | Moderate |
| Point expiry | 36 months | 24 months |
| Lounge access | Unlimited dom · Unlimited intl⚠ Unlimited complimentary global airport lounge access for primary and add-on cardholders. | 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 | 2% | 2% |
| Fuel surcharge | 1% waiver, up to ₹1,000/mo | None |
| Min income · salaried | Not stated | ₹18.0L/yr |
| Min income · self-employed | Not stated | ₹18.0L/yr |
| Eligibility (as stated) | Invite only. No stated income threshold on official page. | 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 |
Verdict at a Glance
Choose HDFC Infinia Metal Edition Credit Card if your monthly spending is focused on travel, insurance.
Choose HDFC Regalia Gold Credit Card if you spend heavily on online, groceries.
HDFC Infinia Metal Edition Credit Card vs HDFC Regalia Gold Credit Card Spend Tier Breakdown
Simulated net annual returns across typical Indian monthly spending profiles.
HDFC Regalia Gold Credit Card
At ₹25,000/month, HDFC Regalia Gold Credit Card nets ₹110/yr vs HDFC Infinia Metal Edition Credit Card at -₹10,282/yr — a ₹10,392 edge.
HDFC Regalia Gold Credit Card
At ₹50,000/month, HDFC Regalia Gold Credit Card nets ₹8,660/yr vs HDFC Infinia Metal Edition Credit Card at -₹8,184/yr — a ₹16,844 edge.
HDFC Regalia Gold Credit Card
At ₹1,00,000/month, HDFC Regalia Gold Credit Card nets ₹15,940/yr vs HDFC Infinia Metal Edition Credit Card at ₹8,871/yr — a ₹7,069 edge.
* Spend tier verdicts use standard category splits (cashback redemption mode). Actual net value depends on your specific spending categories.
Frequently Asked Questions
Which is better, HDFC Infinia Metal Edition 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 ₹16,844 per year, driven mostly by rent spend. Your own split can change the answer — use the calculator above to plug in your numbers.
Which card is better for online shopping, HDFC Infinia Metal Edition Credit Card or HDFC Regalia Gold Credit Card?▼
HDFC Infinia Metal Edition Credit Card earns 3.33 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 HDFC Infinia Metal Edition Credit Card and HDFC Regalia Gold Credit Card?▼
HDFC Infinia Metal Edition Credit Card: ₹12,500 + GST per year, waived on ₹10,00,000 annual spend. HDFC Regalia Gold Credit Card: ₹2,500 + GST per year, waived on ₹4,00,000 annual spend.
Do HDFC Infinia Metal Edition Credit Card and HDFC Regalia Gold Credit Card earn rewards on rent, fuel and utilities?▼
Like most Indian cards, several everyday categories are excluded. HDFC Infinia Metal Edition 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 HDFC Infinia Metal Edition 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. HDFC Infinia Metal Edition Credit Card can still win on specific perks (lounge, forex, redemption ease) that aren't counted in the net-value maths.