What are the annual fees for HDFC Bank Regalia Gold Credit Card and HSBC TravelOne Credit Card?

HDFC Bank Regalia Gold Credit Card has ₹2,500 + GST. HSBC TravelOne Credit Card has ₹4,999 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

HDFC Bank Regalia Gold Credit Card earns about 1.25% on general spends; HSBC TravelOne Credit Card earns about 0.6%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

HDFC Bank Regalia Gold Credit Card: 2%. HSBC TravelOne Credit Card: 3.5% (plus 18% GST on the markup).

Do both cards include airport lounge access?

HDFC Bank Regalia Gold Credit Card: yes — see the lounge row above for limits. HSBC TravelOne Credit Card: yes — see the lounge row above for limits.

Card Comparison

HDFC Regalia Gold vs HSBC TravelOne

The key difference: 1.25% effective rate vs 0.6%. HDFC Regalia Gold vs HSBC TravelOnecompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

HDFC Bank Regalia Gold

HDFC Bank

Fee₹2,500+GST

Eff. rate1.25%

CapCategory

Fee

₹2,500+GST

Eff. rate

1.25%

Cap

How they compare

HDFC Regalia Gold and HSBC TravelOnesuit different spending patterns, so the right pick depends on where and how much you spend — the headline difference is called out at the top. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

HDFC Regalia Gold

Annual fee: ₹2,500 + GST
Everyday rate: 1.3%
Monthly cap: No cap

Notable strengths

Bonus rewards on Myntra (up to 6.3%)
No monthly reward cap

HSBC TravelOne

Annual fee: ₹4,999 + GST
Everyday rate: 0.6%
Monthly cap: ₹50,000/mo

Notable strengths

Flat rewards on every spend

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

55 specs · 13 sections

HDFC Bank Regalia Gold

HSBC TravelOne

Feature

HDFC Bank Regalia Gold

HSBC TravelOne

Annual Fee

₹2,500

₹4,999

Joining Fee

₹2,500

₹4,999

Fee Waiver Spend

₹4,00,000

₹8,00,000

Forex Markup

3.5%

Reward Type

Reward Points

Base Rate

1.25%

0.6%

Effective Base Rate

1.25%

0.6%

Point Value

₹0.5

₹0.3

Redemption Quality

HIGH

MEDIUM

Best Redemption

₹0.5

₹0.3

Worst Redemption

₹0.2

₹0.1

Airtel

3.33%

—

Cleartrip

—

15%

Easemytrip

—

15%

Myntra

6.25%

—

Nykaa

6.25%

—

Grocery / Supermarkets

1.25%

0.6%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

1.25%

0.6%

Flights, Hotels, OTAs, Tour Operators

12.5%

1.2%

Other Retail / Catch-all

1.25%

0.6%

Monthly Cap

Category caps apply

₹50,000

Est. Annual Cap

Category caps apply

₹6,00,000

Total Excluded

5 categories

8 categories

Gold / Jewellery

Earns rewards

Excluded

Electricity, Water, Gas, Internet, DTH, Mobile Recharge

Earns rewards

Excluded

Insurance Premiums

Earns rewards

Excluded

Education / School / College Fees

Earns rewards

Excluded

EMI Transactions

Excluded

Earns rewards

Domestic Visits/Year

International Visits/Year

Priority Pass

Yes

Est. Annual Value

₹10,230

₹5,940

Forex Markup

3.5%

International Rate

Yes

Description

₹2,500 gift voucher on paying joining fee + complimentary Swiggy One & MMT Black Gold membership on spending ₹1 lakh within 90 days

Rs 1,000 Cashback, PostCard Voucher worth Rs 3,000, and 3-month EazyDiner membership on spending Rs 10,000 within 30 days of card issuance

Estimated Value

₹5,898

₹3,400

Fuel Surcharge Waiver

Yes

Best Suited For

Travel, Shopping

Min Income

₹1,50,000/month

₹50,000/month

Income Proof

Required

Secured FD

Accepting Applications

Yes

Network

Visa, Mastercard

Mastercard

Card Tier

Premium

Platinum

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for HDFC Bank Regalia Gold Credit Card and HSBC TravelOne Credit Card?: HDFC Bank Regalia Gold Credit Card has ₹2,500 + GST. HSBC TravelOne Credit Card has ₹4,999 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: HDFC Bank Regalia Gold Credit Card earns about 1.25% on general spends; HSBC TravelOne Credit Card earns about 0.6%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: HDFC Bank Regalia Gold Credit Card: 2%. HSBC TravelOne Credit Card: 3.5% (plus 18% GST on the markup).
Do both cards include airport lounge access?: HDFC Bank Regalia Gold Credit Card: yes — see the lounge row above for limits. HSBC TravelOne Credit Card: yes — see the lounge row above for limits.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: HDFC Bank - HDFC Regalia Gold · HSBC Bank - HSBC TravelOne