HDFC Regalia Gold Credit Card vs IDFC FIRST Wealth Credit Card
Calculate exact net annual returns in ₹ after fee waivers, milestone rewards, categories, and caps. Card terms verified 2026-07.
Quick Key Takeaways & Fact Summary
- Overall Winner: HDFC Regalia Gold Credit Card earns higher net annual returns at standard spend tiers.
- Annual Fee: HDFC Regalia Gold Credit Card (₹2500/yr) vs IDFC FIRST Wealth Credit Card (Lifetime Free).
- Base Reward Rate: HDFC Regalia Gold Credit Card (2.5 pts/₹100) vs IDFC FIRST Wealth Credit Card (2 pts/₹100).
- Lounge Access: HDFC Regalia Gold Credit Card (12 dom) vs IDFC FIRST Wealth Credit Card (4 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
2IDFC FIRST Bank · fee ₹0
Smart verdict
Get the HDFC Regalia Gold Credit Card — it earns you +₹5,699/yr over the IDFC FIRST Wealth Credit Card, mostly from your utilities & bills 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 Regalia Gold 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 | 2.5 Pts / ₹100 | 150 pts1,800 pts/yr | ₹30 | ₹360/yr | Active Earn |
Amazon Spends | ₹3,500/mo | 2.5 Pts / ₹100 | 88 pts1,056 pts/yr | ₹18 | ₹210/yr | Active Earn |
Flipkart Spends | ₹2,000/mo | 2.5 Pts / ₹100 | 50 pts600 pts/yr | ₹10 | ₹120/yr | Active Earn |
Dining & Food Delivery | ₹5,000/mo | 2.5 Pts / ₹100 | 125 pts1,500 pts/yr | ₹25 | ₹300/yr | Active Earn |
Groceries | ₹7,000/mo | 2.5 Pts / ₹100 | 175 pts2,100 pts/yr | ₹35 | ₹420/yr | Active Earn |
Utilities & Bills | ₹4,000/mo | 2.5 Pts / ₹100 | 100 pts1,200 pts/yr | ₹20 | ₹240/yr | Active Earn |
Insurance | ₹1,500/mo | 2.5 Pts / ₹100 | 38 pts456 pts/yr | ₹8 | ₹90/yr | Active Earn |
Travel (Flights/Hotels) | ₹4,000/mo | 2.5 Pts / ₹100 | 100 pts1,200 pts/yr | ₹20 | ₹240/yr | Active Earn |
Other / Offline | ₹3,000/mo | 2.5 Pts / ₹100 | 75 pts900 pts/yr | ₹15 | ₹180/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 Regalia Gold Credit CardHDFC Bank | IDFC FIRST Wealth Credit CardIDFC FIRST Bank |
|---|---|---|
| Joining fee | ₹2,500 | Nil |
| Annual fee | ₹2,500/yr | Lifetime free |
| Fee waiver | Spend ₹4,00,000/yr | — |
| Base reward | 2.5 pts / ₹100 | 2 pts / ₹100 |
| Top reward categories | 2.5x online, 2.5x groceries, 2.5x insurance | 6.67x other, 0.67x insurance, 0.67x utilities |
| Redemption friction | Moderate | Moderate |
| Point expiry | 24 months | 24 months |
| Lounge access | 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. | 4 dom · 4 intl⚠ 1 domestic + 1 international lounge visit per quarter. Requires Rs.20,000+ spend in previous calendar month. DreamFolks card for global lounges. |
| Forex markup | 2% | 1.5% |
| Fuel surcharge | None | None |
| Min income · salaried | ₹18.0L/yr | ₹36.0L/yr |
| Min income · self-employed | ₹18.0L/yr | ₹36.0L/yr |
| Eligibility (as stated) | Salaried: Net Monthly > ₹1L (Govt) / ₹1.5L (Non-Govt); Self-Employed: ITR > ₹18L p.a.; Age 21-60 (salaried) / 21-65 (SE) | Rs.36L annual income |
| Recent devaluations |
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| Verified against |
Verdict at a Glance
Choose HDFC Regalia Gold Credit Card if your monthly spending is focused on online, groceries.
Choose IDFC FIRST Wealth Credit Card if you spend heavily on other, insurance.
HDFC Regalia Gold Credit Card vs IDFC FIRST Wealth Credit Card Spend Tier Breakdown
Simulated net annual returns across typical Indian monthly spending profiles.
IDFC FIRST Wealth Credit Card
At ₹25,000/month, IDFC FIRST Wealth Credit Card nets ₹1,440/yr vs HDFC Regalia Gold Credit Card at ₹110/yr — a ₹1,330 edge.
HDFC Regalia Gold Credit Card
At ₹50,000/month, HDFC Regalia Gold Credit Card nets ₹8,660/yr vs IDFC FIRST Wealth Credit Card at ₹2,961/yr — a ₹5,699 edge.
HDFC Regalia Gold Credit Card
At ₹1,00,000/month, HDFC Regalia Gold Credit Card nets ₹15,940/yr vs IDFC FIRST Wealth Credit Card at ₹6,782/yr — a ₹9,158 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 Regalia Gold Credit Card or IDFC FIRST Wealth Credit Card?▼
At a typical ₹50,000/month spend (cashback redemption), HDFC Regalia Gold Credit Card comes out ahead by about ₹5,699 per year, driven mostly by utilities & bills 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 Regalia Gold Credit Card or IDFC FIRST Wealth Credit Card?▼
HDFC Regalia Gold Credit Card earns 2.5 pts/₹100 as a base, while IDFC FIRST Wealth Credit Card earns 2 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 Regalia Gold Credit Card and IDFC FIRST Wealth Credit Card?▼
HDFC Regalia Gold Credit Card: ₹2,500 + GST per year, waived on ₹4,00,000 annual spend. IDFC FIRST Wealth Credit Card: lifetime free.
Do HDFC Regalia Gold Credit Card and IDFC FIRST Wealth Credit Card earn rewards on rent, fuel and utilities?▼
Like most Indian cards, several everyday categories are excluded. HDFC Regalia Gold Credit Card excludes fuel, rent; IDFC FIRST Wealth Credit Card excludes fuel. The calculator shows these as ₹0 earners so your net value stays honest.
Is IDFC FIRST Wealth 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. IDFC FIRST Wealth Credit Card can still win on specific perks (lounge, forex, redemption ease) that aren't counted in the net-value maths.