Compare Standard Chartered Ultimate 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.
Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.
Premium spenders who can use the card's 5-point earn, high domestic lounge quota and published 2% forex rate enough to justify the ₹5,000 fee.
Upper-mid-tier travelers who can use lounge access, milestone vouchers and travel-oriented reward redemptions.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare/standard-chartered-ultimate-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.
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.
Source review: September 12, 2026
Maintenance: Within the scheduled review window
3 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 11, 2026
Maintenance: Within the scheduled review window
3 attached sources. A review date is not a guarantee that terms have stayed unchanged.
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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| Decision factor | Standard Chartered Ultimate Credit Card | HDFC Bank Regalia Gold Credit Card |
|---|---|---|
| Joining fee | ₹5,000 annual/card fee in year 1 under the current Standard Chartered tariff; the tariff does not list a separate supplementary joining fee for Ultimate. | ₹2,500 + applicable taxes |
| Annual fee | ₹5,000 from year 2 onward under the current Standard Chartered tariff. | ₹2,500 + applicable taxes |
| Fee waiver | No universal spend-based annual-fee waiver is asserted from the reviewed current Ultimate product/tariff pages; verify any targeted offer before applying. | Renewal fee waived at ₹4 lakh spends in the anniversary year |
| Rewards | 5 reward points per ₹150 on eligible spend, with the current product page valuing each reward point at ₹1. | 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. |
| Lounge | 4 complimentary domestic airport-lounge visits per calendar quarter under the current product page, plus broader travel/lifestyle access subject to programme rules. | 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 markup | 2% foreign-currency markup on overseas transactions under Standard Chartered's current Ultimate product/tariff guidance. | 2% foreign-currency markup |
| Network | Mastercard under the current Standard Chartered Ultimate product page. | Visa / Mastercard variant |
| Eligibility / approval | Current Standard Chartered guidance requires eligible age, stable monthly income, supported sourcing location and bank credit-policy approval. | Subject to HDFC Bank approval; reviewed issuer page publishes income and age criteria that can change |
These cautions remain attached to the underlying card records instead of being converted into a score.
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Each side keeps its own review date, source set and evidence state.
Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗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.
Reviewed September 12, 2026 · 3 attached first-party sources
Reviewed September 11, 2026 · 3 attached first-party sources