Marriott Bonvoy HDFC Bank vs HDFC Regalia (2026)
HDFC Bank's own upgrade question: ₹2,500/yr against ₹3,000/yr — and the dearer card earns LESS, 0.9% to 1.0%.
Head to head
| Marriott Bonvoy HDFC Bank | Metric | HDFC Regalia |
|---|---|---|
| #12 — wins this row | Our rank | #107 |
| ₹3,000/yr | Fee — joining · annual (+ GST) | ₹2,500/yr — wins this row |
| None | Fee waiver | ₹3,00,000 spend |
| 3.5% + GST | Forex markup | 3.5% + GST |
| 3.75%/mo (45%/yr) | APR | 3.75%/mo (45%/yr) — legacy Regalia is NOT in the 1.99% premium tier (official fees PDF) |
| 0.9% | Headline earn rate | 1.0% — wins this row |
| Marriott Bonvoy | Currency | HDFC Reward Points |
| ₹0.65/pt | House value | ₹1.00/pt † |
| Free Night Award (up to 15,000 pts) on fee payment — joining and every renewal | Welcome benefit | 2,500 reward points on fee realisation (repeats on renewal) — worth ~₹1,250 at Regalia's ₹0.50 redemption ceiling. Closed to new applications. |
| 91 of 789 | Lounge doors opened | 731 of 789 — wins this row |
| ₹1L+/month net | Income — salaried | not published |
| ITR ₹15L+/yr | Income — self-employed | not published |
† HDFC Regalia: The ₹1.00 HDFC house value belongs to the Infinia stack, not this card. Legacy Regalia points cap out at ₹0.50 (SmartBuy flights/hotels), ₹0.35 catalogue, ₹0.15 cashback — and the sole surviving transfer route, KrisFlyer at 2:1, prices to the same ₹0.50. Our 1.0% rate already bakes that haircut in. Redemption is also capped at 70% of any SmartBuy travel booking, and at 50,000 RP per calendar month for flights/hotels and again for cashback (official RP T&C).
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
Marriott Bonvoy HDFC Bank wins under ₹3.5L/month; HDFC Regalia takes over above it.
Where the lead changes hands
The lead changes hands at ₹3.5L a month: Marriott Bonvoy HDFC Bank is ahead by ₹6,139 at ₹0.25L, HDFC Regalia by ₹20,032 at ₹5L.
Marriott Bonvoy HDFC Bank's ongoing earn stops at ₹1,50,000 of spend a month, where HDFC Regalia's doesn't.
Marriott Bonvoy HDFC Bank draws above the line, HDFC Regalia below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | Marriott Bonvoy HDFC Bank | HDFC Regalia | In front |
|---|---|---|---|
| ₹0.25L | ₹9,739 | ₹3,600 | Marriott Bonvoy HDFC Bank by ₹6,139 |
| ₹0.5L | ₹22,478 | ₹12,200 | Marriott Bonvoy HDFC Bank by ₹10,278 |
| ₹0.75L | ₹35,217 | ₹18,300 | Marriott Bonvoy HDFC Bank by ₹16,917 |
| ₹1L | ₹38,205 | ₹21,900 | Marriott Bonvoy HDFC Bank by ₹16,305 |
| ₹1.25L | ₹50,945 | ₹25,500 | Marriott Bonvoy HDFC Bank by ₹25,445 |
| ₹1.5L | ₹53,933 | ₹29,100 | Marriott Bonvoy HDFC Bank by ₹24,833 |
| ₹1.75L | ₹54,328 | ₹32,700 | Marriott Bonvoy HDFC Bank by ₹21,628 |
| ₹2L | ₹54,724 | ₹36,300 | Marriott Bonvoy HDFC Bank by ₹18,424 |
| ₹2.25L | ₹55,119 | ₹39,900 | Marriott Bonvoy HDFC Bank by ₹15,219 |
| ₹2.5L | ₹55,514 | ₹43,500 | Marriott Bonvoy HDFC Bank by ₹12,014 |
| ₹2.75L | ₹55,910 | ₹47,100 | Marriott Bonvoy HDFC Bank by ₹8,810 |
| ₹3L | ₹56,305 | ₹50,700 | Marriott Bonvoy HDFC Bank by ₹5,605 |
| ₹3.25L | ₹56,700 | ₹54,300 | Marriott Bonvoy HDFC Bank by ₹2,400 |
| ₹3.5L | ₹57,096 | ₹57,900 | HDFC Regalia by ₹804 |
| ₹3.75L | ₹57,491 | ₹61,500 | HDFC Regalia by ₹4,009 |
| ₹4L | ₹57,886 | ₹65,100 | HDFC Regalia by ₹7,214 |
| ₹4.25L | ₹58,282 | ₹68,700 | HDFC Regalia by ₹10,418 |
| ₹4.5L | ₹58,677 | ₹72,300 | HDFC Regalia by ₹13,623 |
| ₹4.75L | ₹59,072 | ₹75,900 | HDFC Regalia by ₹16,828 |
| ₹5L | ₹59,468 | ₹79,500 | HDFC Regalia by ₹20,032 |
Transfer reach
Only HDFC Regalia
- Singapore Airlines KrisFlyer
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for
Marriott Bonvoy HDFC Bank · 3 more →
- Only worth it if you actually stay at Marriott properties
- Bonvoy's dynamic pricing (2025) keeps devaluing points and free nights
- No fee waiver; Diners acceptance still patchy abroad
HDFC Regalia · 4 more →
- 15-May-2026: earn cut from 4 RP/₹150 to 4 RP/₹200 — a 25% haircut, to an effective 1.0%
- Closed to new applications — HDFC's own page: "Sourcing of this Credit Card has been stopped"
- Points cap at ₹0.50 — half the HDFC house value, on every redemption path
The call
For the ₹1L/month spender, Marriott Bonvoy HDFC Bank nets ₹38,205 against ₹21,900 — a ₹16,305 gap. At ₹5L/month, HDFC Regalia nets ₹79,500 against ₹59,468 — a ₹20,032 gap. Lounge chasers: HDFC Regalia opens 731 of 789 tracked doors to Marriott Bonvoy HDFC Bank's 91.
Our standing verdicts: Marriott Bonvoy HDFC Bank — Keep; HDFC Regalia — Downgrade. On our board, Marriott Bonvoy HDFC Bank sits at #12 to HDFC Regalia's #107 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Straight answers
Which is better, Marriott Bonvoy HDFC Bank or HDFC Regalia?
Marriott Bonvoy HDFC Bank. It sits at #12 on our board to HDFC Regalia's #107. HDFC Regalia takes 4 of the 7 rounds we can score. Marriott Bonvoy HDFC Bank wins under ₹3.5L/month; HDFC Regalia takes over above it.
Marriott Bonvoy HDFC Bank or HDFC Regalia — which earns more at ₹3L a month?
At ₹3L a month, Marriott Bonvoy HDFC Bank nets ₹56,305 against ₹50,700 — a ₹5,605 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, Marriott Bonvoy HDFC Bank or HDFC Regalia?
HDFC Regalia — ₹2,500/yr against ₹3,000/yr. Marriott Bonvoy HDFC Bank waives its fee at no spend level — there is no waiver; HDFC Regalia at ₹3,00,000 of spend.
Which gets you into more airport lounges, Marriott Bonvoy HDFC Bank or HDFC Regalia?
Lounge chasers: HDFC Regalia opens 731 of 789 tracked doors to Marriott Bonvoy HDFC Bank's 91. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: Marriott Bonvoy HDFC Bank on 2026-08-05, HDFC Regalia on 2026-08-01. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.