HDFC Regalia Gold vs HSBC Premier
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HDFC Regalia Gold wins 5 of 8 dimensions with a CardTrail Score of 8.7/10 vs 8.2/10.
| Feature | HDFC Regalia Gold | HSBC Premier |
|---|---|---|
| CardTrail Score | 8.7/10 | 8.2/10 |
| Annual Fee | ₹2,500 | ₹20,000 |
| Base Reward Rate | 1.73% | 3% |
| Max Reward Rate | 3.3% | 3% |
| Forex Markup | 2% | 0.99% |
| Domestic Lounges | 8 | -1 |
| International Lounges | 4 | -1 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa Signature |
When to Choose HDFC Regalia Gold
- You can meet the fee waiver condition: Spend ₹3L/year
- You want higher rewards — up to 3.3% vs 3%
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: travel, dining, general
When to Choose HSBC Premier
- You can meet the fee waiver condition: HSBC Premier account
- You travel internationally — saves ₹1,010/year on ₹1L forex spend
- Your primary spend is: travel, dining
Forex Cost Comparison
On ₹1,00,000 annual international spending: HDFC Regalia Gold costs ₹2,360 in forex fees vs HSBC Premier at ₹1,168. You save ₹1,192/year with HSBC Premier.
Annual Fee Value Analysis
To break even on HDFC Regalia Gold's ₹2,500 fee at 1.73% rewards, spend ₹12,042/month.
To break even on HSBC Premier's ₹20,000 fee at 3% rewards, spend ₹55,556/month.