HDFC Regalia Gold vs Standard Chartered Ultimate
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HDFC Regalia Gold wins 3 of 8 dimensions with a CardTrail Score of 8.7/10 vs 7.9/10.
| Feature | HDFC Regalia Gold | Standard Chartered Ultimate |
|---|---|---|
| CardTrail Score | 8.7/10 | 7.9/10 |
| Annual Fee | ₹2,500 | ₹5,000 |
| Base Reward Rate | 1.73% | 3.3% |
| Max Reward Rate | 3.3% | 3.3% |
| Forex Markup | 2% | 2% |
| Domestic Lounges | 8 | 4 |
| International Lounges | 4 | 12 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa Infinite |
When to Choose HDFC Regalia Gold
- You can meet the fee waiver condition: Spend ₹3L/year
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: travel, dining, general
When to Choose Standard Chartered Ultimate
- You can meet the fee waiver condition: Spend ₹5L/year
- Your primary spend is: high-spender, general
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 Standard Chartered Ultimate's ₹5,000 fee at 3.3% rewards, spend ₹12,626/month.