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CheQ AU (LED card) vs HDFC Regalia Gold

Compare CheQ AU (LED card) 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 CheQ AU (LED card) has the lowest annual fee.

Card 1

CheQ AU (LED card)

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.2.4

Card 2

HDFC Regalia Gold

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.10.0
CheQ AU LED card
Balanced value2.4

au / VISA

CheQ AU (LED card)

Annual

₹999

Return

1%

Lounges

2

Forex

3.49%

Card summary
  • CheQ AU (LED card) leans reward-led with ₹999 annual fee, 1% headline return potential, and 2 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹999 annual fee.
  • 1% cashback keeps value easy to understand.
  • 2 lounge access adds travel utility.
Cons
  • 3.49% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

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

Full card details
HDFC Regalia Gold
Balanced value10.0

hdfc / VISA

HDFC Regalia Gold

Annual

₹2,500

Return

5%

Lounges

18

Forex

2%

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
CheQ AU (LED card)
HDFC Regalia Gold
Fees
Annual fee
₹999
₹2,500
Joining fee
₹1,499
₹2,500
Rewards
Cashback rate
1%
1.5%
Reward rate
1%
5%
Travel
Forex markup
3.49%
2%
Domestic lounges
2
12
International lounges
0
6
Benefits
Fuel waiver
Yes
Yes
Dining
No
Yes
Movies
No
Yes
Eligibility
Minimum income
₹30,000
₹12,00,000

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