IndusInd Avios vs HDFC Regalia Gold

Compare IndusInd Avios 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 has the strongest mix of rewards and low fees in this comparison.

Card 1

IndusInd Avios

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.8.6

Card 2

HDFC Regalia Gold

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

Balanced value8.6

indusind / VISA

IndusInd Avios

Annual

₹4,999

Return

Lounges

Forex

1.99%

Card summary

IndusInd Avios leans travel and lifestyle with ₹4,999 annual fee, 4% headline return potential, and 14 lounge access.

Pros

Strong benefit ceiling if you recover the ₹4,999 annual fee.
4% reward rate can outperform flat cashback for loyal users.
14 lounge access adds travel utility.

Cons

Low forex markup matters mainly if you travel internationally.
Higher ₹15,00,000 income expectation narrows eligibility.
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

IndusInd Avios

HDFC Regalia Gold

Fees

Annual fee

₹4,999

₹2,500

Joining fee

₹4,999

₹2,500

Rewards

Cashback rate

1.5%

Reward rate

Travel

Forex markup

1.99%

Domestic lounges

International lounges

Benefits

Fuel waiver

Yes

Dining

Yes

Movies

Yes

Eligibility

Minimum income

₹15,00,000

₹12,00,000

IndusInd Avios vs HDFC Regalia Gold

Futuristic side-by-side card intelligence

IndusInd Avios

HDFC Regalia Gold

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