Which card has the lower annual fee?

HDFC Regalia Gold has the lowest annual fee at ₹2,500.

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 Regalia Gold lists a minimum monthly income of ₹50,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

HDFC Regalia Gold vs IndusInd Bank Pinnacle Credit Card

Honest side-by-side comparison of HDFC Regalia Gold, IndusInd Bank Pinnacle 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 leads IndusInd Bank Pinnacle Credit Card by about ₹12,106/yr in estimated net value.

HDFC Regalia Gold vs IndusInd Bank Pinnacle Credit Card comparison table
Feature	HDFC Regalia Gold HDFC Bank	IndusInd Bank Pinnacle Credit Card IndusInd Bank
Annual fee	₹2,500	₹10,000
Min income (monthly)	₹50,000	₹75,000
Top reward rate	4 RP/₹150	3X points/₹150
Net annual value (moderate spend)	₹5,556/yr	-₹6,550/yr
Secured / FD-backed	No	No
Signup bonus	₹2,500	—

Frequently asked questions

Which card has the lower annual fee?: HDFC Regalia Gold has the lowest annual fee at ₹2,500.
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 Regalia Gold lists a minimum monthly income of ₹50,000.
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.

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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	IndusInd BankPlatinum IndusInd Bank Pinnacle Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Pinnacle Credit Card Top reward3X points/₹150 Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Pinnacle Credit Card IndusInd Bank
Annual fee	₹2,500	₹10,000
Min income	₹50,000	₹75,000
Top reward rate	4 RP/₹150	3X points/₹150
Net value (moderate)	₹5,556/yr	-₹6,550/yr
Secured / no bureau	Standard	Standard
Signup bonus	₹2,500	—

HDFC Regalia Gold details →IndusInd Bank Pinnacle Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC Regalia Gold comparisons