HDFC Regalia Gold vs BoB Select
Side-by-side credit card comparison to help you choose the best one.
Our Pick
HDFC Regalia Gold
4.8
Why this card wins: Travel & Luxury — 4X reward points on every ₹150 spent
| Feature | HDFC Regalia Gold | BoB Select |
|---|---|---|
| Bank | HDFC Bank | Bank of Baroda |
| Card Type | Premium | Entry Level |
| Annual Fee | ₹2,500 + GST | ₹499 + GST |
| Joining Fee | ₹2,500 + GST | ₹499 + GST |
| Rewards | 4X reward points on every ₹150 spent | 2 reward points per ₹100 spent |
| Best For | Travel & Luxury | Everyday Spending |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹2,00,000 - ₹10,00,000 | ₹25,000 - ₹2,00,000 |
| Welcome Benefit | 2500 reward points on first spend | 500 reward points on first spend |
| Min Income | ₹60,000/month | ₹15,000/month |
| Lounge Access | 12 domestic + 6 international per year | 2 domestic per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.8 | 4 |
| Contactless | ||
| EMI Conversion |
Key Features
Our Pick
HDFC Regalia Gold
Travel & Luxury
Visa • Premium
- Complimentary Club Marriott membership
- Complimentary flight tickets on spend milestones
- 12 domestic & 6 international lounge visits
- 1% fuel surcharge waiver (₹400-₹5000)
BoB Select
Everyday Spending
Visa • Entry Level
- Annual fee waiver on ₹75,000 spend
- 2% cashback on utility bill payments
- Fuel surcharge waiver
- Easy EMI conversion facility
Verdict
Based on rating and overall value, HDFC Regalia Gold ranks highest among your selected cards. It excels at Travel & Luxury and offers 4X reward points on every ₹150 spent.