Side-by-side · honest numbers
HDFC Regalia Gold vs Swiggy HDFC Bank Credit Card vs IDFC FIRST HPCL Power+ Credit Card
Honest side-by-side comparison of HDFC Regalia Gold, Swiggy HDFC Bank Credit Card, IDFC FIRST HPCL Power+ 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, Swiggy HDFC Bank Credit Card ranks first for estimated net annual value — ahead of HDFC Regalia Gold by about ₹6,594/yr.
| Feature | HDFC Regalia Gold HDFC Bank | Swiggy HDFC Bank Credit Card HDFC Bank | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹2,500 | ₹500 | ₹499 |
| Fee waiver threshold | Waived at ₹4,00,000/yr spend | Waived at ₹2,00,000/yr spend | Waived at ₹1,50,000/yr spend |
| Min income | ₹50,000/mo | ₹25,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,556/yr | ₹12,150/yr | ₹3,360/yr |
| Online shopping | — | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Groceries (offline) | — | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Dining & delivery | — | 10% cashback → ₹400/mo (₹4,800/yr) | — |
| Fuel | — | — | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) |
| Top reward rate | 4 RP/₹150 | 10% | 30 pts/₹150 |
| Primary reward cap | No monthly cap published | ₹1,500 rewards/mo cap | ₹5,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet loads | EMI · Rent · Wallet · Insurance |
| Bonuses | |||
| Signup bonus | ₹2,500 | — | ₹500 |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST HPCL Power+ Credit Card has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- Swiggy HDFC Bank Credit Card leads with an estimated ₹12,150/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IDFC FIRST HPCL Power+ Credit Card lists a minimum monthly income of ₹20,000.
- 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 Regalia Gold
HDFC Bank
Swiggy HDFC Bank Credit Card
HDFC Bank
IDFC FIRST HPCL Power+ Credit Card
IDFC FIRST Bank
Your adjusted comparison
| Feature | 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 | HDFC BankGold Swiggy HDFC Bank Credit Card •••• •••• •••• 4242 Quick facts Swiggy HDFC Bank Credit Card Top reward10% Annual fee₹500 Min income₹25,000/mo Tap to flip back Swiggy HDFC Bank Credit Card HDFC Bank | IDFC FIRST BankGold IDFC FIRST HPCL Power+ Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST HPCL Power+ Credit Card Top reward30 pts/₹150 Annual fee₹499 Min income₹20,000/mo Tap to flip back IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹2,500 | ₹500 | ₹499 |
| Fee waiver threshold | Waived at ₹4,00,000/yr spend | Waived at ₹2,00,000/yr spend | Waived at ₹1,50,000/yr spend |
| Min income | ₹50,000/mo | ₹25,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,556/yr | ₹12,150/yr | ₹3,360/yr |
| Online shopping | — | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Groceries (offline) | — | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Dining & delivery | — | 10% cashback → ₹400/mo (₹4,800/yr) | — |
| Fuel | — | — | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) |
| Top reward rate | 4 RP/₹150 | 10% | 30 pts/₹150 |
| Primary reward cap | No monthly cap published | ₹1,500 rewards/mo cap | ₹5,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet loads | EMI · Rent · Wallet · Insurance |
| Bonuses | |||
| Signup bonus | ₹2,500 | — | ₹500 |
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https://cardhungry.com/in/en/compare/hdfc-regalia-gold-vs-hdfc-swiggy-vs-idfc-hpcl-power-plusMore HDFC Regalia Gold comparisons
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