IndusInd Legend Credit Card vs HDFC Regalia Gold Credit Card: Premium Lifestyle and Travel Face-Off

Both IndusInd Legend and HDFC Regalia Gold credit cards are designed for customers who enjoy premium privileges — from travel to dining and rewards. However, their structures, reward systems, and benefits differ significantly. Let’s explore which card delivers better value for your lifestyle.

Feature Comparison

Feature IndusInd Legend Credit Card HDFC Regalia Gold Credit Card

Annual Fee

₹9,999 (lifetime free variants available)

₹2,500 + GST (waived on ₹4 lakh annual spend)

Welcome Benefits

₹5,000 worth of gift vouchers (Titan, Hush Puppies, etc.)

Welcome bonus of 2,500 reward points

Reward Points

1 reward point per ₹100 on weekdays, 2 per ₹100 on weekends

4 reward points per ₹150 on retail spends

Lounge Access

2 complimentary domestic visits/month

12 domestic + 6 international lounge visits/year

Travel Benefits

Travel insurance and concierge assistance

Air accident cover up to ₹1 crore

Dining Benefits

Up to 15% off at partner restaurants

Up to 20% off via Good Food Trail Dining program

Fuel Surcharge Waiver

1% across all fuel stations

1% waiver on spends ₹400–₹5,000

Redemption Options

Vouchers, air miles, cashback

Flights, hotels, vouchers via SmartBuy

Key Highlights

IndusInd Legend Credit Card

  • Suited for luxury users who prefer flexibility and concierge benefits.
  • Lifetime free variants often available through offers.
  • Strong weekend rewards make it ideal for leisure spenders.

HDFC Regalia Gold Credit Card

  • Balanced card with strong travel, dining, and reward features.
  • Easy annual fee waiver and higher reward redemption value through SmartBuy.
  • Best suited for frequent travelers and online shoppers.

Which Card Should You Choose?

  • Choose IndusInd Legend if you prefer exclusive lifestyle privileges, concierge support, and weekend-based higher earnings.
  • Choose HDFC Regalia Gold if you want a versatile, high-reward card with travel and lounge access at a lower fee.

Tips to Maximize Value

  1. For HDFC Regalia Gold, make all travel bookings via SmartBuy for up to 10X points.
  2. For IndusInd Legend, focus your high spends on weekends to earn double rewards.
  3. Use both cards for dining and lifestyle offers to unlock extra savings.

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