HDFC Regalia Gold vs AU Bank Zenith
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Regalia Gold wins 6-1. Mid-tier travel + dining without the Diners Black price tag AU Bank Zenith is still the right call if underrated mid-premium, punches above its fee tier..
Side-by-side
| Criterion | HDFC Regalia Gold | AU Bank Zenith |
|---|---|---|
| Annual fee | ₹2,500 | · ₹7,500 |
| Joining fee | ₹2,500 | · ₹7,500 |
| Top reward rate | · 4% (general) | 10% (travel) |
| Base reward rate | 4% | · 2% |
| Forex markup | = 2% | = 2% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = 7,500 reward points |
| Fee waiver threshold | ₹400,000 / yr | · ₹800,000 / yr |
| Min income | = ₹1,200,000 | = ₹1,200,000 |
| Min credit score | 770 | · 780 |
| Editorial rating | 4.6/5 | · 4.4/5 |
Benefits compared
HDFC Regalia Gold
- 5x reward points on travel + dining via SmartBuy
- 4 complimentary international lounge visits per year (Priority Pass)
- Annual MMT Black Elite membership
- Low forex markup: 2%
- Milestone benefits at ₹1.5L, ₹3L and ₹4L spend
AU Bank Zenith
- 10 ZenPoints per ₹100 on travel + dining
- 2 ZenPoints per ₹100 on general spend
- 8 complimentary international lounge visits per quarter
- 12 complimentary domestic lounge visits / year
- Annual milestone: free domestic flight at ₹6L spend
- 4 free golf rounds/quarter at 250+ courses
FAQ
›HDFC Regalia Gold vs AU Bank Zenith: which is better?
HDFC Regalia Gold wins on more dimensions (6 vs 1). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use HDFC Regalia Gold for its best categories, AU Bank Zenith for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Regalia Gold: 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher. AU Bank Zenith: 7,500 reward points.