AU Laksya vs HDFC Regalia Gold

Compare AU Laksya vs HDFC Regalia Gold across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

HDFC Regalia Gold leads on reward rate, while AU Laksya has the lowest annual fee.

Card 1

AU Laksya

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.5.6

Card 2

HDFC Regalia Gold

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.10.0

Balanced value5.6

au / VISA

AU Laksya

Annual

₹1,000

Return

Lounges

Forex

2.99%

Card summary

AU Laksya leans travel and lifestyle with ₹1,000 annual fee, 3% headline return potential, and 8 lounge access.

Pros

Strong benefit ceiling if you recover the ₹1,000 annual fee.
3% reward rate can outperform flat cashback for loyal users.
8 lounge access adds travel utility.

Cons

2.99% forex markup can reduce overseas value.
Eligibility still depends on bank policy and credit history.
Travel value depends on actually using lounge and trip perks.

Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details

Balanced value10.0

hdfc / VISA

HDFC Regalia Gold

Annual

₹2,500

Return

Lounges

Forex

Card summary

HDFC Regalia Gold leans travel and lifestyle with ₹2,500 annual fee, 5% headline return potential, and 18 lounge access.

Pros

Strong benefit ceiling if you recover the ₹2,500 annual fee.
5% reward rate can outperform flat cashback for loyal users.
18 lounge access adds travel utility.

Cons

Low forex markup matters mainly if you travel internationally.
Eligibility still depends on bank policy and credit history.
Travel value depends on actually using lounge and trip perks.

Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details

Metric

AU Laksya

HDFC Regalia Gold

Fees

Annual fee

₹1,000

₹2,500

Joining fee

₹1,000

₹2,500

Rewards

Cashback rate

1.5%

Reward rate

Travel

Forex markup

2.99%

Domestic lounges

International lounges

Benefits

Fuel waiver

Yes

Dining

Yes

Movies

Yes

Eligibility

Minimum income

₹5,00,000

₹12,00,000

AU Laksya vs HDFC Regalia Gold

Futuristic side-by-side card intelligence

AU Laksya

HDFC Regalia Gold

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