HDFC Bank Regalia Gold Credit Card vs IRCTC RBL Bank Credit Card
How HDFC Bank Regalia Gold Credit Card and IRCTC RBL Bank 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: HDFC Bank Regalia Gold Credit Card costs ₹2,500 + GST (waived on ₹4L annual spend) and IRCTC RBL Bank Credit Card costs ₹500 + GST joining fee; ₹500 + GST annual/renewal fee (no spend-based waiver advertised) — both waivable on spend, so the rewards decide it.
HDFC Bank Regalia Gold Credit Card — better for frequent flyers who want lounge access plus accelerated shopping rewards.
IRCTC RBL Bank Credit Card — better for frequent train travellers who book on the irctc website/app and want railway-lounge access plus a transaction-charge waiver on rail tickets.
Side by side
| HDFC Bank Regalia Gold Credit CardHDFC Bank | IRCTC RBL Bank Credit CardRBL Bank | |
|---|---|---|
| Annual fee | ₹2,500 + GST (waived on ₹4L annual spend) | ₹500 + GST joining fee; ₹500 + GST annual/renewal fee (no spend-based waiver advertised) |
| Reward rate | ~1.25% base (5 RP/₹200, from May 2026); 5X at select brands | 5 RP/₹200 on IRCTC train tickets; 3 RP/₹200 on FASTag/NCMC; 2 RP/₹200 on IRCTC flights/hotels/tourism; 1 RP/₹200 on other select spends. 1 RP = ₹1 when redeemed on IRCTC. |
| Lifetime-free | No | No |
| Network | Visa / Mastercard | RuPay |
| Eligibility | Salaried ₹1L+/mo (21–60); self-employed ITR ≥₹18L (21–65) | approx: salaried/self-employed adults (age ~21-65); specific minimum income not published by RBL/aggregators |
| Best for | Frequent flyers who want lounge access plus accelerated shopping rewards. | Frequent train travellers who book on the IRCTC website/app and want railway-lounge access plus a transaction-charge waiver on rail tickets. |
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
IRCTC RBL Bank Credit Card
- 5 RP per ₹200 on IRCTC train tickets; 3 RP/₹200 on FASTag/NCMC recharge; 2 RP/₹200 on IRCTC flights & hotels; 1 RP/₹200 on other spends (1 RP = ₹1 on IRCTC)
- 8 complimentary IRCTC Executive railway lounge visits per year (max 2 per quarter, primary cardholder only; guests chargeable)
- 1% IRCTC train-booking transaction-charge waiver on transactions up to ₹5,000, capped at ₹200/month (reversed in next statement)
HDFC Bank Regalia Gold Credit Card vs IRCTC RBL Bank Credit Card — FAQs
Neither is universally better. HDFC Bank Regalia Gold Credit Card suits frequent flyers who want lounge access plus accelerated shopping rewards. IRCTC RBL Bank Credit Card suits frequent train travellers who book on the irctc website/app and want railway-lounge access plus a transaction-charge waiver on rail tickets. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Neither is lifetime-free: HDFC Bank Regalia Gold Credit Card costs ₹2,500 + GST (waived on ₹4L annual spend) and IRCTC RBL Bank Credit Card costs ₹500 + GST joining fee; ₹500 + GST annual/renewal fee (no spend-based waiver advertised) — both waivable on spend, so the rewards decide it. On rewards, HDFC Bank Regalia Gold Credit Card gives domestic & international airport-lounge access plus 5x points at select brands. whereas IRCTC RBL Bank Credit Card gives 5 reward points per ₹200 on irctc train ticket bookings (1 rp = ₹1 on irctc), i.e. ~2.5% value back on rail tickets.
HDFC Bank Regalia Gold Credit Card: ₹2,500 + GST (waived on ₹4L annual spend). IRCTC RBL Bank Credit Card: ₹500 + GST joining fee; ₹500 + GST annual/renewal fee (no spend-based waiver advertised). 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.