HDFC Infinia Metal Edition vs HDFC Regalia Gold
A head-to-head comparison on verified fees, waiver math, reward rates, lounge conditions and forex charges.
Our verdict
Infinia is in a different league on SmartBuy value, but it is invite-only. Regalia Gold is the strongest HDFC card most people can actually get.
Pick Infinia if you are invited and route big spends through SmartBuy; nothing else in HDFC comes close.
Pick Regalia Gold if you want premium HDFC benefits without the invite wall, and can spend Rs 60,000 a quarter to unlock lounge visits.
| Compare | HDFC Infinia Metal Edition | HDFC Regalia Gold |
|---|---|---|
| Annual fee | ₹12,500 + GST (₹14,750 total) | ₹2,500 + GST (₹2,950 total) |
| Fee waiver | Waived on ₹10,00,000 annual spend | Waived on ₹4,00,000 annual spend |
| Headline reward | 3.3% Base to 33.3% via SmartBuy Portal | 5 Reward Points per ₹200 (cut from 4 per ₹150 on 15 May 2026) + 5X on Marks & Spencer, Myntra, Nykaa and other select brands |
| Online spends return | 16% | 3.2% |
| Dining return | 9% | 2.8% |
| Travel return | 33% | 6% |
| Bills and UPI return | 5% | 1.8% |
| Fuel return | 0% | 0% |
| Lounge access | Unlimited domestic & international (Priority Pass) visits for primary and add-on holders; guests are charged US$27 + GST per visit | 3 domestic lounge visits per quarter, only on ₹60,000 or more spends in the preceding calendar quarter + 6 international Priority Pass visits per year |
| Forex markup | 2.0% + 18% GST | 2.0% + 18% GST |
| RuPay UPI payments | Not supported | Not supported |
| Credwiser score | 98/100 | 85/100 |
Green cells mark the stronger card on that row. Returns are effective category rates from each card verified record, before caps; check the fine print below for caps.
The fine print decides it
HDFC Infinia Metal Edition
18% GST applies to annual fee (Total ₹14,750). Cash advance charge: 2.5% or min ₹500. Rent surcharge: 1% + GST. Fuel surcharge waiver up to ₹1,000 per billing cycle. Lounge entry is complimentary only for the cardholder; guests are charged US$27 + GST per visit via Priority Pass.
Last verified against MITC: 21 October 2026 • View official MITC →
HDFC Regalia Gold
Annual fee ₹2,500 + 18% GST. Fee waived on annual spend of ₹4 Lakhs. From 15 May 2026 the base earn is 5 RP per ₹200, and domestic lounge visits (3 per quarter) need ₹60,000 or more spends in the preceding calendar quarter.
Last verified against MITC: 21 October 2026 • View official MITC →
Frequently asked questions
Which is cheaper, HDFC Infinia Metal Edition or HDFC Regalia Gold?
HDFC Infinia Metal Edition charges ₹12,500 + gst (₹14,750 total) and its waiver position is: waived on ₹10,00,000 annual spend. HDFC Regalia Gold charges ₹2,500 + gst (₹2,950 total) with this waiver position: waived on ₹4,00,000 annual spend. Remember the fee is billed first and reversed later on cards that offer a waiver.
Which card has better lounge access, HDFC Infinia Metal Edition or HDFC Regalia Gold?
HDFC Infinia Metal Edition: Unlimited domestic & international (Priority Pass) visits for primary and add-on holders; guests are charged US$27 + GST per visit. HDFC Regalia Gold: 3 domestic lounge visits per quarter, only on ₹60,000 or more spends in the preceding calendar quarter + 6 international Priority Pass visits per year. Always check the spend gate, if any, before travelling; our Lounge Access Checker shows the exact criteria for both cards.
HDFC Infinia Metal Edition vs HDFC Regalia Gold: which should I pick?
Infinia is in a different league on SmartBuy value, but it is invite-only. Regalia Gold is the strongest HDFC card most people can actually get. Pick Infinia if you are invited and route big spends through SmartBuy; nothing else in HDFC comes close. Pick Regalia Gold if you want premium HDFC benefits without the invite wall, and can spend Rs 60,000 a quarter to unlock lounge visits.
More comparisons with these cards
Compare any two cards freely in the side-by-side comparison matrix, or check gates and caps in the Lounge Access Checker and Cashback Cap Maxer.