HDFC Infinia Metal Edition 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.
1HDFC Bank · fee waived at your spend
2HDFC Bank · fee ₹12,500
Smart verdict
Get the HDFC Regalia Gold Credit Card — it earns you +₹14,804/yr over the HDFC Infinia Metal Edition Credit Card, mostly 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).
HDFC Infinia Metal Edition 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 HDFC Infinia Metal Edition Credit Card at -₹8,362/yr — a ₹9,912 edge.
- At ₹50,000/month, HDFC Regalia Gold Credit Card nets ₹11,420/yr vs HDFC Infinia Metal Edition Credit Card at -₹3,384/yr — a ₹14,804 edge.
- At ₹1,00,000/month, HDFC Regalia Gold Credit Card nets ₹21,220/yr vs HDFC Infinia Metal Edition Credit Card at ₹20,391/yr — a ₹829 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 | HDFC Infinia Metal Edition Credit CardHDFC Bank | HDFC Regalia Gold Credit CardHDFC Bank |
|---|---|---|
| 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 categories | 33.33x travel, 3.33x insurance, 3.33x groceries | 12.5x online, 2.5x groceries, 2.5x insurance |
| Redemption | 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 |
| Stated income | 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) |
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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 ₹14,804 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, 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.