Side-by-side · honest numbers
Bajaj Finserv RBL Bank SuperCard vs HDFC Bharat Cashback Credit Card vs HDFC Regalia Gold
Honest side-by-side comparison of Bajaj Finserv RBL Bank SuperCard, HDFC Bharat Cashback Credit Card, HDFC Regalia Gold — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Regalia Gold ranks first for estimated net annual value — ahead of HDFC Bharat Cashback Credit Card by about ₹126/yr.
| Feature | Bajaj Finserv RBL Bank SuperCard RBL Bank | HDFC Bharat Cashback Credit Card HDFC Bank | HDFC Regalia Gold HDFC Bank |
|---|---|---|---|
| Annual fee | ₹999 | ₹0 | ₹2,500 |
| Min income (monthly) | ₹25,000 | ₹15,000 | ₹50,000 |
| Top reward rate | 2X points/₹150 | 5% cashback | 4 RP/₹150 |
| Net annual value (moderate spend) | -₹739/yr | ₹5,430/yr | ₹5,556/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | — | ₹2,500 |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Bharat Cashback Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- HDFC Regalia Gold leads with an estimated ₹5,556/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC Bharat Cashback Credit Card lists a minimum monthly income of ₹15,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Your adjusted comparison
| Feature | RBL BankGold Bajaj Finserv RBL Bank SuperCard •••• •••• •••• 4242 Quick facts Bajaj Finserv RBL Bank SuperCard Top reward2X points/₹150 Annual fee₹999 Min income₹25,000/mo Tap to flip back Bajaj Finserv RBL Bank SuperCard RBL Bank | HDFC BankClassic HDFC Bharat Cashback Credit Card •••• •••• •••• 4242 Quick facts HDFC Bharat Cashback Credit Card Top reward5% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back HDFC Bharat Cashback Credit Card HDFC Bank | HDFC BankPlatinum HDFC Regalia Gold •••• •••• •••• 4242 Quick facts HDFC Regalia Gold Top reward4 RP/₹150 Annual fee₹2,500 Min income₹50,000/mo Tap to flip back HDFC Regalia Gold HDFC Bank |
|---|---|---|---|
| Annual fee | ₹999 | ₹0 | ₹2,500 |
| Min income | ₹25,000 | ₹15,000 | ₹50,000 |
| Top reward rate | 2X points/₹150 | 5% cashback | 4 RP/₹150 |
| Net value (moderate) | -₹739/yr | ₹5,430/yr | ₹5,556/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | ₹2,500 |
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