HDFC Regalia Gold vs HSBC Smart Value
Side-by-side credit card comparison to help you choose the best one.
HDFC Regalia Gold
Why this card wins: Travel & Luxury — 4X reward points on every ₹150 spent
| Feature | ||
|---|---|---|
| Bank | HDFC Bank | HSBC India |
| Card Type | Premium | Cashback |
| Annual Fee | ₹2,500 + GST | Lifetime Free |
| Joining Fee | ₹2,500 + GST | Nil |
| Rewards | 4X reward points on every ₹150 spent | 5% cashback on Swiggy, BigBasket, Amazon |
| Best For | Travel & Luxury | Online Shopping |
| 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 - ₹3,00,000 |
| Welcome Benefit | 2500 reward points on first spend | None |
| Min Income | ₹60,000/month | ₹20,000/month |
| Lounge Access | 12 domestic + 6 international per year | None |
| 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 | 4.2 |
| Contactless | ||
| EMI Conversion |
Key Features
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)
HSBC Smart Value
Online Shopping
Mastercard • Cashback
- No annual fee ever
- 5% cashback on top online platforms
- 1% cashback on all other spends
- Smart EMI on purchases above ₹2,500
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.
Frequently asked questions
Which is better: HDFC Regalia Gold or HSBC Smart Value?
HDFC Regalia Gold has the higher CardKhoj rating (4.8/5) and is best for travel & luxury. HSBC Smart Value is the better fit if your priority is online shopping. The right choice depends on where you spend most.
Which has the lower annual fee: HDFC Regalia Gold and HSBC Smart Value?
HSBC Smart Value is cheaper to hold at Lifetime Free, compared with ₹2,500 + GST for HDFC Regalia Gold.
Do HDFC Regalia Gold and HSBC Smart Value offer airport lounge access?
HDFC Regalia Gold: 12 domestic + 6 international per year. HSBC Smart Value: no complimentary lounge access.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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