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Side-by-side comparison of HDFC Regalia Gold vs IDFC FIRST Classic to help you find the best fit.
Fees & Charges
First Year FeeFREE
Renewal Fee₹2,500
Fee Waiver ConditionOn spend of ₹400,000/yr
First Year FeeFREE
Renewal FeeFREE
0Rewards & Benefits
Reward Rate4 reward points per ₹150 & 20 points per ₹150 on select brands
Welcome BonusGift Voucher equivalent to fee amount (₹2,500) + Club Vistara Silver
Lounge Access12 domestic + 6 international visits per year
Fuel Surcharge Waiver
Reward Rate10X on spends >₹20k/month; 3X on others (Base: 1 RP per ₹200)
Cashback Rate5% cashback on first EMI transaction (up to ₹1000)
Welcome Bonus₹500 voucher on spending ₹5,000 in first 30 days
Lounge Access4 Railway Lounge visits/quarter
Fuel Surcharge Waiver
Eligibility
Min Income₹100,000/month
Min Credit Score750
Eligible For
salaried
self employed
Min Income₹25,000/month
Min Credit Score710
Eligible For
salaried
self employed
Top Features
- 12 domestic & 6 international lounge visits per year
- 5X rewards on Myntra, Nykaa, M&S, and Reliance Digital
- ₹1,500 vouchers on quarterly spends of ₹1.5L
- 1% fuel surcharge waiver
Categories
RewardsTravelPremium
- 4 complimentary railway lounge visits per quarter
- Buy 1 Get 1 movie offer (up to ₹100/month)
- Interest-free cash withdrawals for 45 days (₹199 fee)
- Roadside assistance worth ₹1,399
Categories
LifestyleupiRewards