Side-by-side · honest numbers
HDFC 6E Rewards Credit Card vs HDFC Regalia Gold vs OneCard Metal Credit Card
Honest side-by-side comparison of HDFC 6E Rewards Credit Card, HDFC Regalia Gold, OneCard Metal Credit Card — 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 OneCard Metal Credit Card by about ₹1,596/yr.
| Feature | HDFC 6E Rewards Credit Card HDFC Bank | HDFC Regalia Gold HDFC Bank | OneCard Metal Credit Card OneCard (BOB/FPL) |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹2,500 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹4,00,000/yr spend | Lifetime free |
| Min income | ₹25,000/mo | ₹50,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹380/yr | ₹5,556/yr | ₹3,960/yr |
| Travel | 5 pts per ₹150 spend → ₹42/mo (₹500/yr) | — | — |
| Top reward rate | 5X reward points | 4 RP/₹150 | 1% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | ₹2,500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- OneCard Metal 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?
- OneCard Metal 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.
HDFC 6E Rewards Credit Card
HDFC Bank
HDFC Regalia Gold
HDFC Bank
OneCard Metal Credit Card
OneCard (BOB/FPL)
Your adjusted comparison
| Feature | HDFC BankPlatinum HDFC 6E Rewards Credit Card •••• •••• •••• 4242 Quick facts HDFC 6E Rewards Credit Card Top reward5X reward points Annual fee₹500 Min income₹25,000/mo Tap to flip back HDFC 6E Rewards 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 | OneCard (BOB/FPL)Metal OneCard Metal Credit Card •••• •••• •••• 4242 Quick facts OneCard Metal Credit Card Top reward1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back OneCard Metal Credit Card OneCard (BOB/FPL) |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹2,500 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹4,00,000/yr spend | Lifetime free |
| Min income | ₹25,000/mo | ₹50,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹380/yr | ₹5,556/yr | ₹3,960/yr |
| Travel | 5 pts per ₹150 spend → ₹42/mo (₹500/yr) | — | — |
| Top reward rate | 5X reward points | 4 RP/₹150 | 1% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | ₹2,500 | — |
Share this comparison
https://cardhungry.com/in/en/compare/hdfc-6e-rewards-vs-hdfc-regalia-gold-vs-onecardMore HDFC 6E Rewards Credit Card comparisons
- HDFC 6E Rewards Credit Card vs 811 Dream Different Credit Card
- HDFC 6E Rewards Credit Card vs AU Altura Credit Card
- HDFC 6E Rewards Credit Card vs AU Zenith Credit Card
- HDFC 6E Rewards Credit Card vs American Express Gold Card
- HDFC 6E Rewards Credit Card vs American Express Platinum Travel Card
- HDFC 6E Rewards Credit Card vs American Express SmartEarn Credit Card
- HDFC 6E Rewards Credit Card vs Amex Membership Rewards CC
- HDFC 6E Rewards Credit Card vs Axis Bank ACE Credit Card
- HDFC 6E Rewards Credit Card vs Axis Bank Airtel Credit Card
- HDFC 6E Rewards Credit Card vs Axis Bank Atlas Credit Card
- HDFC 6E Rewards Credit Card vs Axis Bank Flipkart Credit Card
- HDFC 6E Rewards Credit Card vs Axis Bank Magnus Credit Card