HDFC Regalia Gold vs IDFC FIRST Wealth
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Both cards score 8.7/10 — your spending pattern decides the winner.
| Feature | HDFC Regalia Gold | IDFC FIRST Wealth |
|---|---|---|
| CardTrail Score | 8.7/10 | 8.7/10 |
| Annual Fee | ₹2,500 | Free |
| Base Reward Rate | 1.73% | 0.75% |
| Max Reward Rate | 3.3% | 6% |
| Forex Markup | 2% | 1.5% |
| Domestic Lounges | 8 | 8 |
| International Lounges | 4 | 4 |
| 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
- Your primary spend is: travel, dining, general
When to Choose IDFC FIRST Wealth
- You want a lifetime free card with zero annual cost
- You travel internationally — saves ₹500/year on ₹1L forex spend
- You want higher rewards — up to 6% vs 3.3%
- Your primary spend is: forex, travel, value
Forex Cost Comparison
On ₹1,00,000 annual international spending: HDFC Regalia Gold costs ₹2,360 in forex fees vs IDFC FIRST Wealth at ₹1,770. You save ₹590/year with IDFC FIRST Wealth.
Annual Fee Value Analysis
To break even on HDFC Regalia Gold's ₹2,500 fee at 1.73% rewards, spend ₹12,042/month.
IDFC FIRST Wealth is lifetime free — no break-even needed.