IndusInd Bank Legend Credit Card Vs HDFC Regalia Gold Credit Card
Last Updated : April 17, 2025, 12:58 p.m.
Credit cards have become an essential financial tool for many consumers, offering convenience, rewards, and exclusive benefits. Two popular premium credit cards in the Indian market are the IndusInd Bank Legend Credit Card and the HDFC Regalia Gold Credit Card . This article compares these two cards across various parameters to help you make an informed choice based on your spending habits and lifestyle preferences. After you determine which card to apply for, check your CIBIL score online on Wishfin to verify if you fulfill the lender’s credit score criteria.
Overview of the Cards
IndusInd Bank Legend Credit Card: It is a lifetime free rewards and travel-focused card that offers accelerated earning on weekend spends. The card is designed for frequent travelers with benefits like low forex markup charges and reward points that can be transferred to partner airline programs.
HDFC Regalia Gold Credit Card: This is a premium credit card that offers comprehensive travel benefits, shopping rewards, and exclusive memberships. It comes with a joining/renewal fee of Rs. 2,500 plus applicable taxes.
Compare the features of the IndusInd Bank Legend Credit Card and HDFC Regalia Gold Credit Card
| Parameter | IndusInd Bank Legend Credit Card | HDFC Regalia Gold Credit Card |
|---|---|---|
Annual Fee | Lifetime free | Rs. 2,500 + applicable taxes |
Reward Points |
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Reward Redemption Value |
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Welcome Benefits | Various luxury gift options available at select fee points (including Luxe Gift Card, Montblanc products) |
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Airport Lounge Access | Discontinued as of March 7, 2025 | Complimentary access to over 1,000 lounges worldwide (12 complimentary visits within India) |
Foreign Currency Markup | 1.8% | 2% |
Travel Insurance |
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Milestone Benefits |
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Fuel Surcharge Waiver | 1% at all petrol pumps (applicable on transactions between Rs. 500 to Rs. 3,000, capped at Rs. 100 per month) | Does not provide fuel surcharge waiver. |
Concierge Services | Available (includes pre-trip assistance, hotel reservations, flight booking, etc.) | 24/7 exclusive concierge services |
Entertainment Benefits | Buy One Get One on BookMyShow (savings up to Rs. 200 per month) |
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Reward Points Expiry | Never expire | Reward points expire 2 years after they are accumulated. |
Fee Waiver | Lifetime free | Spend Rs. 4 lakhs in an anniversary year to get next renewal fee waived |
Key Strengths of Each Card
IndusInd Bank Legend Credit Card
- Lifetime Free: No annual charges, making it a cost-effective choice for the long term.
- Enhanced Weekend Rewards: Double rewards on weekend spending makes it ideal for those who shop and dine more on weekends.
- Superior Foreign Currency Rate: With a 1.8% markup on foreign currency transactions, it's marginally better than HDFC's 2%, making it more suitable for international travelers.
- Non-Expiring Reward Points: The reward points earned never expire, giving cardholders flexibility in redemption timing.
HDFC Regalia Gold Credit Card
- Extensive Lounge Access: Complimentary access to over 1,000 airport lounges globally provides significant value for frequent travelers
- Superior Insurance Coverage: The card offers substantially higher insurance coverage, especially for air accidents (Rs. 1 crore) and overseas hospitalization (Rs. 15 lakhs).
- Attractive Milestone Benefits: Regular spenders can earn significant value through quarterly and annual milestone benefits, including vouchers worth Rs. 1,500 to Rs. 10,000.
- Premium Memberships: Complimentary Swiggy One and MMT Black Gold memberships add everyday value for cardholders.
Which Card Should You Choose?
Choose the IndusInd Bank Legend Credit Card if:
- You want a lifetime free card with no annual fees
- You spend more on weekends and want higher rewards for those transactions
- You travel internationally frequently and want lower foreign currency markup fees
- You value flexibility with non-expiring reward points
Choose the HDFC Regalia Gold Credit Card if:
- You're a frequent traveler who uses airport lounge access
- You want comprehensive travel insurance with high coverage amounts
- You can meet the quarterly and annual spending thresholds to maximize milestone benefits
- You're likely to use the Swiggy One and MMT Black Gold memberships regularly.
Conclusion
Both the IndusInd Bank Legend Credit Card and HDFC Regalia Gold Credit Card offer compelling benefits tailored to different customer needs. The IndusInd Bank Legend Credit Card stands out as a lifetime free option with good travel benefits and weekend rewards, while the HDFC Regalia Gold Credit Card offers premium features with extensive travel insurance and milestone-based rewards. Your choice should align with your spending patterns, travel frequency, and whether you prefer upfront benefits (like the lifetime free feature of the IndusInd card) or are willing to pay an annual fee for potentially higher value benefits (as with the HDFC card). Carefully evaluate your lifestyle needs to determine which card would provide the most value for your specific situation.
Frequently Asked Questions (FAQs)
