HDFC Bank Regalia Gold Credit Card vs RBL Bank World Safari Credit Card
How HDFC Bank Regalia Gold Credit Card and RBL Bank World Safari 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 RBL Bank World Safari Credit Card costs ₹3,000 + GST joining and annual/renewal fee (no spend-based waiver) — 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.
RBL Bank World Safari Credit Card — better for frequent international travellers who want zero forex markup plus priority pass lounge access and travel-category accelerated rewards.
Side by side
| HDFC Bank Regalia Gold Credit CardHDFC Bank | RBL Bank World Safari Credit CardRBL Bank | |
|---|---|---|
| Annual fee | ₹2,500 + GST (waived on ₹4L annual spend) | ₹3,000 + GST joining and annual/renewal fee (no spend-based waiver) |
| Reward rate | ~1.25% base (5 RP/₹200, from May 2026); 5X at select brands | 5 RP/₹100 on travel; 2 RP/₹100 on other domestic retail; no points on international spends; 1 RP = ₹0.25. Milestone bonuses: 10,000 RP at ₹2.5L, 15,000 RP at ₹5L, ₹10,000 voucher at ₹7.5L annual spend. |
| Lifetime-free | No | No |
| Network | Visa / Mastercard | Mastercard |
| Eligibility | Salaried ₹1L+/mo (21–60); self-employed ITR ≥₹18L (21–65) | approx 21+ years; salaried or self-employed with stable income (specific income figure not published by issuer) |
| Best for | Frequent flyers who want lounge access plus accelerated shopping rewards. | Frequent international travellers who want zero forex markup plus Priority Pass lounge access and travel-category accelerated rewards. |
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
RBL Bank World Safari Credit Card
- 0% forex markup on all international transactions
- 5 Travel Points/₹100 on travel spends; 2 RP/₹100 on other domestic retail (1 RP = ₹0.25)
- 2 international lounge visits/yr via Priority Pass + 2 domestic lounge visits/quarter on ₹35,000 prior-quarter spend
HDFC Bank Regalia Gold Credit Card vs RBL Bank World Safari Credit Card — FAQs
Neither is universally better. HDFC Bank Regalia Gold Credit Card suits frequent flyers who want lounge access plus accelerated shopping rewards. RBL Bank World Safari Credit Card suits frequent international travellers who want zero forex markup plus priority pass lounge access and travel-category accelerated rewards. 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 RBL Bank World Safari Credit Card costs ₹3,000 + GST joining and annual/renewal fee (no spend-based waiver) — 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 RBL Bank World Safari Credit Card gives 0% forex markup on all foreign currency spends (saves ~3.5% + gst vs typical cards)
HDFC Bank Regalia Gold Credit Card: ₹2,500 + GST (waived on ₹4L annual spend). RBL Bank World Safari Credit Card: ₹3,000 + GST joining and annual/renewal fee (no spend-based waiver). 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.