BOBCARD Etihad Guest Credit Card vs HDFC Bank Regalia Gold Credit Card
How BOBCARD Etihad Guest Credit Card and HDFC Bank Regalia Gold Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
Neither is lifetime-free: BOBCARD Etihad Guest Credit Card costs ₹2,500 + GST joining and annual fee (annual fee waived on ₹3 lakh annual spend) and HDFC Bank Regalia Gold Credit Card costs ₹2,500 + GST (waived on ₹4L annual spend) — both waivable on spend, so the rewards decide it.
BOBCARD Etihad Guest Credit Card — better for frequent etihad airways flyers who want a lower-fee co-branded card that earns etihad guest miles on every spend plus international lounge access and a low 1% forex markup.
HDFC Bank Regalia Gold Credit Card — better for frequent flyers who want lounge access plus accelerated shopping rewards.
Side by side
| BOBCARD Etihad Guest Credit CardBOBCARD (Bank of Baroda) | HDFC Bank Regalia Gold Credit CardHDFC Bank | |
|---|---|---|
| Annual fee | ₹2,500 + GST joining and annual fee (annual fee waived on ₹3 lakh annual spend) | ₹2,500 + GST (waived on ₹4L annual spend) |
| Reward rate | 3 Etihad Guest Miles per ₹100 on Etihad Airways spends; 1 mile per ₹100 on all other domestic and international spends. Welcome: base 2,500 miles, plus a limited-time offer (until 30 Jun 2026) of up to 7,500 bonus miles (5,000 on ₹25,000 + 2,500 on ₹50,000 spend within 60 days). | ~1.25% base (5 RP/₹200, from May 2026); 5X at select brands |
| Lifetime-free | No | No |
| Network | Visa | Visa / Mastercard |
| Eligibility | Age approx 21-60 years; minimum income approx ₹18 lakh per annum (aggregator-sourced); salaried or self-employed Indian residents | Salaried ₹1L+/mo (21–60); self-employed ITR ≥₹18L (21–65) |
| Best for | Frequent Etihad Airways flyers who want a lower-fee co-branded card that earns Etihad Guest Miles on every spend plus international lounge access and a low 1% forex markup. | Frequent flyers who want lounge access plus accelerated shopping rewards. |
BOBCARD Etihad Guest Credit Card
- 3 Etihad Guest Miles/₹100 on Etihad spends; 1 mile/₹100 on all other domestic and international spends
- 8 domestic (2/quarter) + 4 international (1/quarter) complimentary lounge visits per year
- Low 1% forex markup; complimentary Etihad Guest Silver tier on first transaction within 6 months
HDFC Bank Regalia Gold Credit Card
- Complimentary domestic and international airport-lounge visits
- 5X reward points at Myntra, Nykaa, Reliance Digital & M&S (cap 5,000 RP/mo)
- ₹2,500 joining fee offset by a ₹2,500 welcome voucher
BOBCARD Etihad Guest Credit Card vs HDFC Bank Regalia Gold Credit Card — FAQs
Neither is universally better. BOBCARD Etihad Guest Credit Card suits frequent etihad airways flyers who want a lower-fee co-branded card that earns etihad guest miles on every spend plus international lounge access and a low 1% forex markup. HDFC Bank Regalia Gold Credit Card suits frequent flyers who want lounge access plus accelerated shopping rewards. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Neither is lifetime-free: BOBCARD Etihad Guest Credit Card costs ₹2,500 + GST joining and annual fee (annual fee waived on ₹3 lakh annual spend) and HDFC Bank Regalia Gold Credit Card costs ₹2,500 + GST (waived on ₹4L annual spend) — both waivable on spend, so the rewards decide it. On rewards, BOBCARD Etihad Guest Credit Card gives 3 etihad guest miles per ₹100 on etihad airways spends (1 mile per ₹100 on everything else), with a low 1% foreign-currency markup. whereas HDFC Bank Regalia Gold Credit Card gives domestic & international airport-lounge access plus 5x points at select brands.
BOBCARD Etihad Guest Credit Card: ₹2,500 + GST joining and annual fee (annual fee waived on ₹3 lakh annual spend). HDFC Bank Regalia Gold Credit Card: ₹2,500 + GST (waived on ₹4L annual spend). Both fees can usually be waived on annual spend — check the thresholds on each issuer's page.
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.