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AU Ananta Credit Card vs HDFC Bank Regalia Gold Credit Card

Compare AU Ananta Credit Card and HDFC Bank Regalia Gold Credit Card on annual fee, rewards, fee waiver, lounge access, forex markup, best-fit use case and source evidence.

Maintained credit-card comparison

AU Ananta Credit Card vs HDFC Bank Regalia Gold Credit Card

Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.

Latest underlying reviewSeptember 11, 2026
AU Small Finance BankAU Ananta Credit Card

Upper-mid-tier users whose normal spending is concentrated in shopping, dining and travel and who can naturally reach the card's milestones.

Annual fee
₹2,000 + applicable taxes.
Reviewed
September 11, 2026
Evidence
2 issuer sources
Open card research
HDFC BankHDFC Bank Regalia Gold Credit Card

Upper-mid-tier travelers who can use lounge access, milestone vouchers and travel-oriented reward redemptions.

Annual fee
₹2,500 + applicable taxes
Reviewed
September 11, 2026
Evidence
3 issuer sources
Open card research
No universal winnerFee, rewards, lounge and forex matter differently by use case.
Conditions stay visibleCaps, waivers, exclusions and qualification rules are not stripped out.
Evidence stays separateOne issuer's source set never validates the other card.
Keep an offline research copyPrint the full comparison or choose Save as PDF in your browser. All decision checkpoints are expanded for the print copy.

bankingreference.info · Comparison research sheet

AU Ananta Credit Card vs HDFC Bank Regalia Gold Credit Card

Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare/au-ananta-credit-card-vs-hdfc-regalia-gold/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

Answer the questions that can actually change the choice.

Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.

01Would the card still fit if you miss its fee waiver?Read the recurring fee and qualifying-spend rule together before counting rewards as value.

AU Ananta Credit Card

Annual fee
₹2,000 + applicable taxes.
Fee waiver
Renewal fee waived on ₹3 lakh retail spends in the previous card anniversary year; no joining-fee waiver on reviewed page

HDFC Bank Regalia Gold Credit Card

Annual fee
₹2,500 + applicable taxes
Fee waiver
Renewal fee waived at ₹4 lakh spends in the anniversary year
02Do your actual purchases qualify for the rewards?Check the reward structure and the recorded cautions; a headline earning rate is not the return on every purchase.

AU Ananta Credit Card

Reward rules
5 Reward Points per ₹100 on eligible shopping, dining and travel spends, capped at 5,000 accelerated points per statement cycle, plus welcome and annual milestone points

Recorded cautions

  • Accelerated points are capped each statement cycle.
  • Milestone rewards should be valued only when thresholds fit natural spending.
  • The joining fee is not waived under the reviewed terms.

HDFC Bank Regalia Gold Credit Card

Reward rules
5 Reward Points per ₹200 on eligible spends under the current post-15-May-2026 structure; selected-brand acceleration and milestone vouchers remain subject to current issuer terms.

Recorded cautions

  • Domestic lounge access requires ₹60,000 eligible spend in the preceding calendar quarter after the new-card exemption window.
  • The 2% foreign-currency markup and the separate 1.75% DCC markup are different charging concepts under current HDFC terms.
  • Milestone vouchers only matter if the qualifying spend is natural; reward and partner rules can change.
03Which travel and approval conditions apply to you?Check lounge conditions, foreign-currency costs and issuer eligibility independently of reward value.

AU Ananta Credit Card

Lounge conditions
4 complimentary domestic airport-lounge visits per quarter when eligible flight tickets of ₹5,000 or more are booked through AU Rewardz under the current Ananta terms.
Forex costs
3.49% cross-currency markup under AU’s 7 July 2026 Key Fact Statement.
Eligibility
Indicative primary-cardholder age: salaried 21–60, self-employed 25–65; resident Indian; approval remains at AU Small Finance Bank discretion

HDFC Bank Regalia Gold Credit Card

Lounge conditions
3 complimentary domestic airport lounge visits per calendar quarter after ₹60,000 eligible spend in the preceding calendar quarter; up to 6 complimentary Priority Pass lounge visits per calendar year outside India.
Forex costs
2% foreign-currency markup
Eligibility
Subject to HDFC Bank approval; reviewed issuer page publishes income and age criteria that can change
Other maintained comparisons for AU Ananta Credit CardOther maintained comparisons for HDFC Bank Regalia Gold Credit Card
Shared research themes
Premium Credit CardsRewards Credit CardsTravel Credit Cards
Exact terms

Put the controlling card fields next to each other.

Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.

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Credit-card terms side by side for AU Ananta Credit Card and HDFC Bank Regalia Gold Credit Card
Decision factorAU Ananta Credit CardHDFC Bank Regalia Gold Credit Card
Joining fee₹2,000 + applicable taxes under the current AU Key Fact Statement/product fee table.₹2,500 + applicable taxes
Annual fee₹2,000 + applicable taxes.₹2,500 + applicable taxes
Fee waiverRenewal fee waived on ₹3 lakh retail spends in the previous card anniversary year; no joining-fee waiver on reviewed pageRenewal fee waived at ₹4 lakh spends in the anniversary year
Rewards5 Reward Points per ₹100 on eligible shopping, dining and travel spends, capped at 5,000 accelerated points per statement cycle, plus welcome and annual milestone points5 Reward Points per ₹200 on eligible spends under the current post-15-May-2026 structure; selected-brand acceleration and milestone vouchers remain subject to current issuer terms.
Lounge4 complimentary domestic airport-lounge visits per quarter when eligible flight tickets of ₹5,000 or more are booked through AU Rewardz under the current Ananta terms.3 complimentary domestic airport lounge visits per calendar quarter after ₹60,000 eligible spend in the preceding calendar quarter; up to 6 complimentary Priority Pass lounge visits per calendar year outside India.
Forex markup3.49% cross-currency markup under AU’s 7 July 2026 Key Fact Statement.2% foreign-currency markup
NetworkVariant as offered by AU Small Finance BankVisa / Mastercard variant
Eligibility / approvalIndicative primary-cardholder age: salaried 21–60, self-employed 25–65; resident Indian; approval remains at AU Small Finance Bank discretionSubject to HDFC Bank approval; reviewed issuer page publishes income and age criteria that can change
Wrong-fit risks

Know what can make either card unsuitable.

These cautions remain attached to the underlying card records instead of being converted into a score.

AU Small Finance Bank

AU Ananta Credit Card

  • Accelerated points are capped each statement cycle.
  • Milestone rewards should be valued only when thresholds fit natural spending.
  • The joining fee is not waived under the reviewed terms.
HDFC Bank

HDFC Bank Regalia Gold Credit Card

  • Domestic lounge access requires ₹60,000 eligible spend in the preceding calendar quarter after the new-card exemption window.
  • The 2% foreign-currency markup and the separate 1.75% DCC markup are different charging concepts under current HDFC terms.
  • Milestone vouchers only matter if the qualifying spend is natural; reward and partner rules can change.
Decision tools

Model the parts of the comparison that depend on your own usage.

These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.

Independent source state

Verify both cards from their own issuer evidence.

Each side keeps its own review date, source set and evidence state.

HDFC Bank

HDFC Bank Regalia Gold Credit Card

3 issuer sources8/8 core fields confirmedReviewed September 11, 2026
Issuer product pageFee / charge scheduleIssuer document

Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more

Open primary issuer source ↗
Open primary issuer source ↗
MethodologyResearch statusMore card comparisons

First-party source appendix

These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.

AU Ananta Credit Card

Reviewed September 11, 2026 · 2 attached first-party sources

  1. Issuer product pagehttps://www.au.bank.in/personal-banking/credit-cards/ananta-credit-card
  2. Fee / charge schedulehttps://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf

HDFC Bank Regalia Gold Credit Card

Reviewed September 11, 2026 · 3 attached first-party sources

  1. Issuer product pagehttps://www.hdfc.bank.in/credit-cards/regalia-gold-credit-card
  2. Fee / charge schedulehttps://www.hdfc.bank.in/credit-cards/regalia-gold-credit-card/fees-and-charges
  3. Issuer documenthttps://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/pdf/common/Credit-Cards/Regalia-Gold-Product-feature-change.pdf