HDFC Regalia Gold vs IDFC FIRST Diamond Reserve
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
IDFC FIRST Diamond Reserve Credit Card wins 4 of 8 dimensions with a CardTrail Score of 9.0/10 vs 8.7/10.
| Feature | HDFC Regalia Gold | IDFC FIRST Diamond Reserve |
|---|---|---|
| CardTrail Score | 8.7/10 | 9.0/10 |
| Annual Fee | ₹2,500 | ₹3,000 |
| Base Reward Rate | 1.73% | 0.5% |
| Max Reward Rate | 3.3% | 10% |
| Forex Markup | 2% | Zero |
| Domestic Lounges | 8 | 8 |
| International Lounges | 4 | 8 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa |
When to Choose HDFC Regalia Gold
- You can meet the fee waiver condition: Spend ₹3L/year
- Your primary spend is: travel, dining, general
When to Choose IDFC FIRST Diamond Reserve
- You can meet the fee waiver condition: Spend ₹6L/year
- You travel internationally — saves ₹2,000/year on ₹1L forex spend
- You want higher rewards — up to 10% vs 3.3%
- Your primary spend is: travel, lounge, forex
Forex Cost Comparison
On ₹1,00,000 annual international spending: HDFC Regalia Gold costs ₹2,360 in forex fees vs IDFC FIRST Diamond Reserve at ₹0. You save ₹2,360/year with IDFC FIRST Diamond Reserve.
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 IDFC FIRST Diamond Reserve's ₹3,000 fee at 0.5% rewards, spend ₹50,000/month.