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HDFC Regalia Gold vs IDFC FIRST Wealth

Verified 28 sources

Your monthly spend

HDFC Regalia Gold beats IDFC FIRST Wealth by ₹1,800 a year at ₹30,000 a month: ₹3,000 against ₹1,200, after fees

HDFC Regalia Gold beats IDFC FIRST Wealth by ₹26,900 a year at ₹75,000 a month: ₹29,800 against ₹2,900, after fees

HDFC Regalia Gold beats IDFC FIRST Wealth by ₹37,700 a year at ₹1.5 lakh a month: ₹43,600 against ₹5,900, after fees

HDFC Regalia Gold beats IDFC FIRST Wealth by ₹59,400 a year at ₹3 lakh a month: ₹71,200 against ₹11,800, after fees

HDFC Regalia Gold beats IDFC FIRST Wealth by ₹88,200 a year at ₹5 lakh a month: ₹1,07,900 against ₹19,700, after fees

HDFC Regalia Gold credit card

HDFC Bank

HDFC Regalia Gold

Our verdict: Keep

IDFC FIRST Wealth credit card

IDFC FIRST Bank

IDFC FIRST Wealth

Our verdict: Keep

IDFC FIRST Wealth vs HDFC Regalia Gold: which should you pick?

₹2,500 against nothing: is the fee worth it? Regalia Gold pays HDFC points that move to 22 transfer partners at 2:1 or worse; Wealth pays IDFC points worth about 0.4% on everyday spend and 10X on dining, travel and international. Regalia Gold out-earns Wealth at every spend level the page tests. Regalia Gold's fee is waived at ₹4,00,000 of spend, and Wealth never charges one; forex is 2% against IDFC's NIL. Regalia Gold opens three domestic lounge visits a quarter on ₹60,000 of the previous quarter's spend and six Priority Pass visits abroad a year; Wealth one of each a quarter on ₹20,000 of the previous month's spend, plus four railway visits.

HDFC Regalia Gold is the better card at every spend we test, and its lead over IDFC FIRST Wealth grows as you spend more: ₹1,100 a year at ₹25,000 a month, ₹88,200 at ₹5 lakh. At ₹75,000 a month the gap is mostly what each card earns on your spend: HDFC Regalia Gold returns ₹19,800 a year in rewards to IDFC FIRST Wealth's ₹2,900. Pick IDFC FIRST Wealth instead if you spend abroad: its forex markup is 0% against 2% on HDFC Regalia Gold, 2 percentage points less on every rupee spent in another currency, or if you would rather pay less to get the card: IDFC FIRST Wealth costs ₹0 — lifetime free, HDFC Regalia Gold ₹2,500/yr.

HDFC Regalia Gold pays 2 annual spend milestones, the first at ₹5,00,000 a year, and IDFC FIRST Wealth pays none.

HDFC Regalia Gold review IDFC FIRST Wealth review

Side by side

HDFC Regalia Gold and IDFC FIRST Wealth, fact by fact
FactHDFC Regalia GoldIDFC FIRST Wealth
Can you get itOpen to applyOpen to apply
Fee (joining · annual, + GST)₹2,500/yr₹0 — lifetime free✓ Better
Fee waiverSpend ₹4,00,000 a yearNone
Reward rate on everyday spend1.6%✓ Better0.4%
PointsHDFC Reward PointsIDFC FIRST Reward Points
Our value per point₹1.00 †₹0.25 †
Transfer partners22✓ BetterNone
Lounges it gets you into720 of 792✓ Better131 of 792
Forex markup2% + GSTNil✓ Better
Welcome benefitComplimentary Swiggy One + MMT Black Gold memberships, on ₹1L spend in the first 90 days₹500 gift voucher from a choice of top brands on ₹5,000 spent within 30 days of card generation, plus 5% cashback capped at ₹1,000 on a first EMI transaction — IDFC bills the pair as ₹1,500; a nudge, not a bonus

✓ Better marks the side that wins a row; rows that compare unlike things are not scored. HDFC Regalia Gold is ahead on 9 of the 12 rows we can call.

More facts 8 rows
Rank, verdict, lounge visits and fine print
FactHDFC Regalia GoldIDFC FIRST Wealth
Our rank#6✓ Better#207
Our verdictKeepKeep
Lounge visits in India3 visits/quarter1/quarter + 4 railway/quarter, at the 46 rooms on IDFC's own 48-row EliteAssist list that this map carries
Lounge visits abroad6 visits/yr (Priority Pass, outside India only)1/quarter
Forex, in the bank’s words2% + GSTNil — bank-wide MITC dated 9 Sep 2026 prints NIL on foreign-currency and DCC/SCC transactions
Interest (APR)3.75%/mo (45%/yr)Dynamic 0.71%–3.85%/mo (8.5%–46.2%/yr); overdue rate 3.99%/mo (47.88%/yr) on MAD non-payment
Income needed (salaried)₹1.5L+/month net (private); ₹1L+/month (govt)₹36L+/yr (official eligibility)
Income needed (self-employed)ITR ₹18L+/yr₹36L+/yr (official eligibility)

† HDFC Regalia Gold: One catch on that ₹1.00: Regalia Gold can't reach it. Its points cap out at ₹0.65 (Gold Catalogue) or ₹0.50 (flights/hotels) — a 35–50% haircut vs the HDFC house value. Our 1.6% reward rate already prices that in.

† IDFC FIRST Wealth: Wealth redeems the IDFC point at a flat ₹0.25 — the house value exactly. Its app-travel perk is 20%/10% BONUS points (hotels/flights), not a higher per-point value like Mayura's ₹0.50. That bonus is ADDITIVE, not a multiplier: IDFC's own rewards T&C tables Base Earn (A) "Up to 5% Reward Points" + Bonus (B) "20% Reward Points" = Total (A+B) "Up to 25% Reward Points", and the product-page FAQ states it in absolute points — "Hotel bookings via the IDFC FIRST Mobile App earn 40 bonus points per ₹200 spent". More points, never dearer ones.

Our value per point is what we think a point is worth when you use it well; every currency's figure and its reasoning is on points values.

What each is worth to you

A year of rewards and bonuses, after the fee
Monthly spendHDFC Regalia GoldIDFC FIRST Wealth
At ₹30,000 a month₹3,000✓ Better₹1,200
At ₹75,000 a month₹29,800✓ Better₹2,900
At ₹1.5 lakh a month₹43,600✓ Better₹5,900
At ₹3 lakh a month₹71,200✓ Better₹11,800
At ₹5 lakh a month₹1,07,900✓ Better₹19,700
Pays for itself from₹14,000 a monthThe first rupee✓ Better

On an everyday mix of spending (groceries, bills, travel, fuel and the rest), using each card's own rules for each kind of spend. The same figures as each card's own page.

Every spend from ₹25,000 to ₹5 lakh 20 steps
HDFC Regalia Gold and IDFC FIRST Wealth at each ₹25,000 step
Monthly spendHDFC Regalia GoldIDFC FIRST WealthAhead
₹25,000₹2,100✓ Better₹1,000HDFC Regalia Gold by ₹1,100
₹50,000₹14,200✓ Better₹2,000HDFC Regalia Gold by ₹12,200
₹75,000₹29,800✓ Better₹2,900HDFC Regalia Gold by ₹26,900
₹1 lakh₹34,400✓ Better₹3,900HDFC Regalia Gold by ₹30,500
₹1.25 lakh₹39,000✓ Better₹4,900HDFC Regalia Gold by ₹34,100
₹1.5 lakh₹43,600✓ Better₹5,900HDFC Regalia Gold by ₹37,700
₹1.75 lakh₹48,200✓ Better₹6,900HDFC Regalia Gold by ₹41,300
₹2 lakh₹52,800✓ Better₹7,900HDFC Regalia Gold by ₹44,900
₹2.25 lakh₹57,400✓ Better₹8,800HDFC Regalia Gold by ₹48,600
₹2.5 lakh₹62,000✓ Better₹9,800HDFC Regalia Gold by ₹52,200
₹2.75 lakh₹66,600✓ Better₹10,800HDFC Regalia Gold by ₹55,800
₹3 lakh₹71,200✓ Better₹11,800HDFC Regalia Gold by ₹59,400
₹3.25 lakh₹75,800✓ Better₹12,800HDFC Regalia Gold by ₹63,000
₹3.5 lakh₹80,400✓ Better₹13,800HDFC Regalia Gold by ₹66,600
₹3.75 lakh₹84,900✓ Better₹14,700HDFC Regalia Gold by ₹70,200
₹4 lakh₹89,500✓ Better₹15,700HDFC Regalia Gold by ₹73,800
₹4.25 lakh₹94,100✓ Better₹16,700HDFC Regalia Gold by ₹77,400
₹4.5 lakh₹98,700✓ Better₹17,700HDFC Regalia Gold by ₹81,000
₹4.75 lakh₹1,03,300✓ Better₹18,700HDFC Regalia Gold by ₹84,600
₹5 lakh₹1,07,900✓ Better₹19,700HDFC Regalia Gold by ₹88,200
How we work out the yearly value

We put each card through the same everyday mix of spending, apply that card's own rules for each kind of spend (some earn nothing on fuel or bills), add its milestone and renewal bonuses at our value per point, and take off the fee unless that spend waives it. Bonus categories that need you to shop a certain way are not counted. Your own mix will differ: try your numbers in the calculator, or read how we value cards.

Before you choose

Transfer partners 22 and 0

HDFC Regalia Gold's HDFC Reward Points move to 22 airline and hotel partners; IDFC FIRST Wealth's IDFC FIRST Reward Points cannot be moved to any.

Only HDFC Regalia Gold: Singapore Airlines KrisFlyer, Finnair Plus (Avios), Qatar Airways Privilege Club (Avios).

Every partner and ratio is on each card's page; the best value for your points is on the transfer optimizer.

Watch out 6 points

HDFC Regalia Gold

  • Cashing out to your statement is ₹0.15 a point, down from ₹0.20 — HDFC's MITC dates it 1 Nov 2025, though its own page printed ₹0.20 until Jul-2026 and still does in one place
  • Jul-2026: 3 domestic lounge visits/quarter now need ₹60k prior-quarter spend
  • May 2026 cut lowered the effective earn ~6%

5 more on its page

IDFC FIRST Wealth

  • Points redeem at ₹0.25 flat — no ₹0.50 app-travel value; app travel pays bonus points instead
  • Base earn is 0.375%; only dining, travel and international spends reach 1.25%
  • Points now expire 24 months after they're credited — the 18-Jun-2026 revision ended the never-expire promise

4 more on its page

Common questions 5 answered

Which is better, HDFC Regalia Gold or IDFC FIRST Wealth?

HDFC Regalia Gold is the better card at every spend we test, and its lead over IDFC FIRST Wealth grows as you spend more: ₹1,100 a year at ₹25,000 a month, ₹88,200 at ₹5 lakh. At ₹75,000 a month the gap is mostly what each card earns on your spend: HDFC Regalia Gold returns ₹19,800 a year in rewards to IDFC FIRST Wealth's ₹2,900. Pick IDFC FIRST Wealth instead if you spend abroad: its forex markup is 0% against 2% on HDFC Regalia Gold, 2 percentage points less on every rupee spent in another currency, or if you would rather pay less to get the card: IDFC FIRST Wealth costs ₹0 — lifetime free, HDFC Regalia Gold ₹2,500/yr.

HDFC Regalia Gold or IDFC FIRST Wealth: which is worth more at ₹3 lakh a month?

HDFC Regalia Gold beats IDFC FIRST Wealth by ₹59,400 a year at ₹3 lakh a month. Both figures are a year's rewards and bonuses on an everyday spending mix, after the fee.

Which costs less to get, HDFC Regalia Gold or IDFC FIRST Wealth?

IDFC FIRST Wealth: ₹0 — lifetime free against ₹2,500/yr. HDFC Regalia Gold waives its fee if you spend ₹4,00,000 a year; IDFC FIRST Wealth has no fee waiver.

Which gets you into more airport lounges, HDFC Regalia Gold or IDFC FIRST Wealth?

HDFC Regalia Gold: 720 of the 792 lounges we track, against 131 for IDFC FIRST Wealth. Visit limits and guest charges differ by card; each card's page lists them.

How current is this comparison?

HDFC Regalia Gold was last checked against its bank's own documents on 24 Oct 2026, IDFC FIRST Wealth on 26 Oct 2026. Every figure here is worked out again from those records each time the site is built, so a change to either card shows up the day we log it.

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Sources

HDFC Regalia Gold was last checked against its bank's own documents on 24 Oct 2026, IDFC FIRST Wealth on 26 Oct 2026. Every fact above comes from these 28 documents; the banks' own are marked official. A fact a bank does not publish shows as "not published", never as zero.

The documents 28 sources
  1. Official Product page — "5 Reward Points on every Rs. 200 spent", and the redemption table that prices this card's points, "Exclusive Gold Catalogue ₹0.65 · Flights and hotel bookings ₹0.5" read
  2. Official HDFC Bank Key Fact Statement cum MITC, version 4.15 dated October 2026 — clause I(x) prices a Regalia Gold point at 15 paise against the statement balance, with effect from 1 November 2025 read
  3. Official Product-feature-change notice PDF — Boarding Edge and "Earn 5 Reward Points for every ₹200 spent" both effective 15th May 2026 read
  4. Official Regalia Gold Rewards Points Program T&C — the 50,000 RP/month cap on MILES TRANSFERS, the four named 5X merchants, and the 1.75% dynamic & static conversion markup "W.e.f 15th May, 2026" read
  5. Official SmartBuy core-offer T&C (window 01-10-2026 to 31-10-2026) — the Regalia tier earns 5X on flights, 10X on hotels, 5X on brand vouchers, capped 4,000 RP a month read
  6. Official Product page (AMP mirror) — ₹4L waiver, 5X brands, milestones, redemption grid read
  7. Community CardInsider — May-2026 revision (5 RP/₹200, ₹60k lounge gate w.e.f. 1-Jul-2026, DCC 1.75%) read
  8. Community CardExpert — 3 visits/qtr behind ₹60k gate, PP 6/yr unchanged, Boarding Edge read
  9. Community CardInsider — RuPay Select variant launch (9-Oct-2025) read
  10. Community TechnoFino — issued on both Visa Signature and Mastercard World read
  11. Community CardInsider forex table — Regalia Gold 2% forex markup (below the 3.5% norm) read
  12. Community pointsmath HDFC transfer grid — the eligibility check for our 22 routes; Only Infinia, Diners Club Black and Regalia Gold have "all 21 transfer partners available" read
  13. Official HDFC's BANK-WIDE 15-May-2026 revision notice — its accrual table names "Regalia Gold | 5 | 200", corroborating the card-specific product-feature-change PDF read
  14. Official HDFC Bank consolidated fees & charges PDF (KFS/MITC, v2.5, Mar-2025) — the fees, charges and terms this card's MITC row is read from read
  15. Official HDFC Bank Rewards Points Program T&C — the fuel, rent, government, wallet and EMI exclusions and the monthly category caps read
  16. Official IDFC cardholder notice, 13 September 2026 — withdraws the 9 September cut: reward points continue on international transactions "as applicable for the respective cards" read
  17. Official IDFC cardholder notice, 9 September 2026 — announced international earn would stop on 26 October 2026; withdrawn by the bank's 13 September notice, so it never took effect read
  18. Official Bank-wide MITC (reissued 9 Sep 2026) — Wealth Nil joining/annual; forex NIL bank-wide ("Markup Charges on Foreign currency transactions and Dynamic & Static Currency Conversion Transactions** — NIL") read
  19. Official Domestic lounge list — the 48 rooms the quarterly visit can be spent at, addresses and terminals included read
  20. Official Product page + FAQs (lifetime free, Visa Infinite; the page body now says Zero Forex Markup, matching the MITC's NIL, though one FAQ line still reads 1.5%; income ₹36L+) read
  21. Official Rewards T&C PDF (10 RP/₹200 on dining/travel/international, 3 RP/₹200 other incl. rent/government/wallet/education) read
  22. Official Superseded rewards T&C, archived 13-Feb-2026 (the pre-Jun-2026 construct — 10 RP/₹200 on incremental spends above ₹20,000 a cycle; Table 2.3 Base Earn (A) "Up to 5%" + Bonus) read
  23. Official 18-Jun-2026 change notice PDF ("Earlier, 10X rewards were only unlocked after spending ₹20,000 in a billing cycle" — now from the first eligible dining/travel/international) read
  24. Official Jan-2026 change notice PDF — (base ₹150→₹200; 1.5% forex; FASTag past ₹10k and railway past ₹25k a cycle draw a 1% fee; lounge/golf 1+1+1 per quarter on a ₹20k previous-month) read
  25. Community CardInsider review read
  26. Official FIRST Digital RuPay add-on (UPI) page read
  27. Community TechnoFino — Select→Wealth customer-care upgrade route read
  28. Community CardMaven — upgrade SR ("without limit enhancement"), low-limit approvals, LTF carries read

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