HDFC Regalia Gold vs OneCard Metal
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 | OneCard (FPL) |
| Card Type | Premium | Premium |
| Annual Fee | ₹2,500 + GST | Lifetime Free |
| Joining Fee | ₹2,500 + GST | Nil |
| Rewards | 4X reward points on every ₹150 spent | 5X reward points on top 2 spend categories |
| Best For | Travel & Luxury | Tech-Savvy Users |
| 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 | ₹50,000 - ₹5,00,000 |
| 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 | 4 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 | 3.0% + GST |
| Add-On Card Fee | Free | Not available |
| Rating | 4.8 | 4.6 |
| 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)
OneCard Metal
Tech-Savvy Users
Visa • Premium
- Metal card — no annual fee ever
- Auto-detects your top spend categories for 5X
- Real-time spend analytics in app
- Instant EMI conversion on any purchase
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 OneCard Metal?
HDFC Regalia Gold has the higher CardKhoj rating (4.8/5) and is best for travel & luxury. OneCard Metal is the better fit if your priority is tech-savvy users. The right choice depends on where you spend most.
Which has the lower annual fee: HDFC Regalia Gold and OneCard Metal?
OneCard Metal is cheaper to hold at Lifetime Free, compared with ₹2,500 + GST for HDFC Regalia Gold.
Do HDFC Regalia Gold and OneCard Metal offer airport lounge access?
HDFC Regalia Gold: 12 domestic + 6 international per year. OneCard Metal: 4 domestic per year.
Which card is better for international spending?
OneCard Metal has the lowest forex markup at 3.0% + GST, which makes it cheaper for travel abroad and foreign-currency shopping.
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