HDFC Regalia vs HDFC Infinia
Cap-aware comparison at ₹70,000/month total spend · Data verified March 2026
HDFC Regalia
₹2,500/yr
₹933
cashback/month
HDFC Infinia
₹12,500/yr
₹2,333
cashback/month
Winner
Category-by-Category Breakdown
🍽️Dining
₹10,000/moHDFC Regalia
₹1331.33%
HDFC Infinia
₹3333.33%
✈️Travel
₹15,000/moHDFC Regalia
₹2001.33%
HDFC Infinia
₹5003.33%
🛒Online Shopping
₹12,000/moHDFC Regalia
₹1601.33%
HDFC Infinia
₹4003.33%
🥦Groceries
₹8,000/moHDFC Regalia
₹1061.33%
HDFC Infinia
₹2663.33%
⛽Fuel
₹5,000/moHDFC Regalia
₹671.33%
HDFC Infinia
₹1673.33%
💡Utilities
₹5,000/moHDFC Regalia
₹671.33%
HDFC Infinia
₹1673.33%
🎬Entertainment
₹5,000/moHDFC Regalia
₹671.33%
HDFC Infinia
₹1673.33%
🛍️Shopping
₹10,000/moHDFC Regalia
₹1331.33%
HDFC Infinia
₹3333.33%
Quick Specs
Annual Fee₹2,500₹12,500
Fee Waiver₹4L annual spendNone
NetworkVisa/MCVisa
Lounge Access18/yearUnlimited
Card TypePremiumSuper Premium
The Verdict
HDFC Infinia earns ₹1,400 more per month on this spending pattern. HDFC Regalia wins on no categories. HDFC Infinia wins on dining, travel, online shopping, groceries, fuel, utilities, entertainment, shopping. The best strategy? Use HDFC Infinia as your primary card and HDFC Regalia for its winning categories.
Pick HDFC Infinia if
→ You spend heavily on dining, travel, online shopping
View HDFC Infinia details →Or use both
Use HDFC Regalia for its strengths, and HDFC Infinia for dining and travel. Combined fee: ₹15,000/year.
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