Marriott Bonvoy HDFC Bank vs HDFC Regalia (2026)
HDFC Regalia vs Marriott Bonvoy HDFC Bank: which wins?
₹50,700ranking value a year at ₹3L a month, to HDFC Regalia
Skip the duel — the board, ranked → · nothing to sign up for
HDFC Bank's own upgrade question: ₹2,500/yr against ₹3,000/yr — and the dearer card earns LESS, 0.9% to 1.0%.
Marriott Bonvoy HDFC Bank wins under ₹3.5L/month; HDFC Regalia takes over above it.
Every metric, row by row — 12 compared
Head to head
| Marriott Bonvoy HDFC Bank | Metric | HDFC Regalia |
|---|---|---|
| #4 | Our rank | closed |
| ₹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 793 | Lounge doors opened | 735 of 793 — 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 →
The ₹ face-off at ₹1L/₹3L/₹5L a month
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 — a 20-step sweep from ₹0.25L to ₹5L/month
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 — 0 vs 1 live routes
Transfer reach
0 shared routes · 0 only Marriott Bonvoy HDFC Bank · 1 only HDFC Regalia — the full partner lists
Only HDFC Regalia
- Singapore Airlines KrisFlyer
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for — 6 points
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 735 of 793 tracked doors to Marriott Bonvoy HDFC Bank's 91.
Our standing verdicts: Marriott Bonvoy HDFC Bank — Keep; HDFC Regalia — Downgrade. HDFC Regalia takes 4 of the 6 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Common questions — 5 answered
Straight answers
Which is better, Marriott Bonvoy HDFC Bank or HDFC Regalia?
HDFC Regalia. HDFC Regalia takes 4 of the 6 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 735 of 793 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 2026-08-17. 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.
Verified against HDFC Bank and HDFC Bank's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 14 of them, each with the day we read it
- official Official microsite — ₹3,000 fee and "joining fee or annual fee waiver is not available"; 1 Free Night Award (up to 15,000 points) on joining-fee realisation and on renewal
- official HDFC's 15-May-2026 rewards/fees change notice — the proof this card was NOT touched by the bank-wide ₹150→₹200 accrual cut
- official Marriott launch press release (24-Aug-2023)
- community CardInsider review — the ONLY source we have for this card's 3.5% forex markup
- official HDFC Bank's Regalia product page — the banner reads "Sourcing of this Credit Card has been stopped. Existing customers of this card will continue to enjoy the benefits,"
- official HDFC Bank Key Fact Statement cum MITC, version 4.6 dated August 2026 — clause I(x) prices a Regalia point at 15 paise against the statement balance, with effect from 1 November 2025
- official Regalia Rewards Points Program T&C (official, linked from the product page) — the Annual Spends Benefit
- official Consolidated fees & charges PDF (v2.5, Mar-2025) — Regalia still listed as a live variant tier at ₹2,500 / ₹3L annual-spend waiver
- official HDFC Bank's Regalia fees & charges page — "Joining/renewal membership fee: ₹2,500 plus applicable taxes"; "Welcome benefit of 2500 reward points"
- community CardInsider review, badged "Discontinued" — ₹2,500 fee/₹3L waiver; still prints stale 4 RP/₹150, 2% forex and ₹0.20 cashback against HDFC's own docs
- community CardExpert review — 2 domestic lounge visits/quarter behind the ₹1L quarterly-spend gate (late-2023), 10,000 RP at ₹5L + 5,000 at ₹8L milestone split
- community pointsmath tier grid — only Infinia, Diners Club Black and Regalia Gold have "all 21 transfer partners available"
- community Independent second witness to the same tiering — the full transfer-partner roster belongs to "HDFC Infinia", "HDFC Diners Club Black / HDFC Diners Club Black Metal"
- community milesgoround SmartBuy table — Regalia shares the Regalia Gold/Diners Privilege bonus tier (4,000 bonus RP/mo cap)