Head-to-head · 🇮🇳 India
HDFC Regalia Gold vs IDFC FIRST Select
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
HDFC Bank
HDFC Regalia Gold
VISA
Wins 4 of 10
IN
IDFC FIRST Bank
IDFC FIRST Select
VISA
Wins 4 of 10
Verdict
It's a true tie, neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | HDFC Regalia Gold | IDFC FIRST Select |
|---|---|---|
| Annual fee | · ₹2,500 | No annual fee |
| Joining fee | · ₹2,500 | None |
| Top reward rate | 4% (general) | · 3% (general) |
| Base reward rate | 4% | · 3% |
| Forex markup | · 2% | No FX fee |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = ₹500 gift voucher on ₹5,000 spend within 30 days of card generation |
| Fee waiver threshold | ₹400,000 / yr | · N/A (no fee) |
| Min income | = ₹1,200,000 | = ₹1,200,000 |
| Min credit score | · 770 | 750 |
| Editorial rating | 4.6/5 | · 4.5/5 |
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
IDFC FIRST Select
- 10X reward points on dining and travel
- 3X reward points on other eligible spends
- Lifetime free, no annual fee, ever
- 1 domestic airport lounge visit per quarter, unlocked by ₹20,000 spend in the previous calendar month (no international lounge access)
- Zero forex markup on international transactions
- 1% fuel surcharge waiver
FAQ
›HDFC Regalia Gold vs IDFC FIRST Select: which is better?
It's a true tie, pick the one whose boost categories match your spend. HDFC Regalia Gold wins on 4 criteria, IDFC FIRST Select on 4.
›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, IDFC FIRST Select 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. IDFC FIRST Select: ₹500 gift voucher on ₹5,000 spend within 30 days of card generation.