Card Comparison · India
AB Vistara Signature Credit CardvsHB Regalia Gold Credit Card
Vistara Signature Credit Card and Regalia Gold Credit Card compared side by side — annual fee, lounge-access program, visit limits, eligibility, and value. All figures from Loungely's verified card data, in INR.
| ABVistara Signature Credit Card | HBRegalia Gold Credit Card | |
|---|---|---|
| Annual fee | ₹3,000/yr | ₹2,500/yr |
| Network | Visa Signature | Visa Signature |
| Access program | Visa Signature — 8 lounge visits/year | Priority Pass (6 intl visits/yr) + domestic card-swipe access |
| Intl lounge visits | — | 6/year |
| Domestic lounge visits | — | 3/quarter |
| Guest policy | Guests available at ₹2,000 per visit at most lounges. | No free guests — international guests ~US $27 + GST each. |
| Eligibility | Income ₹6L+, open application | Income ₹6L+, open application |
| Value score | 3/5 | 4/5 |
| Best for | Vistara / Air India flyers wanting lounge access and flight upgrades | Domestic flyers who spend ₹60k+/quarter, plus occasional international travel |
Vistara Signature Credit Card — full review
Fees, lounge terms, activation steps, pros & cons →
Regalia Gold Credit Card — full review
Fees, lounge terms, activation steps, pros & cons →
Vistara Signature Credit Card vs Regalia Gold Credit Card — frequently asked
Is Vistara Signature Credit Card or Regalia Gold Credit Card cheaper?
Regalia Gold Credit Card is cheaper at ₹2,500/yr vs ₹3,000/yr — a difference of 500 INR/yr. A lower fee only wins if the lounge access still covers the airports you fly through.
Which gives better lounge access, Vistara Signature Credit Card or Regalia Gold Credit Card?
Vistara Signature Credit Card: Visa Signature — 8 lounge visits/year. Regalia Gold Credit Card: Priority Pass (6 intl visits/yr) + domestic card-swipe access. Network reach matters more than raw visit count — a card with unlimited visits on a program that isn't present at your home airport is worth less than a capped card that is.
What are the eligibility differences between Vistara Signature Credit Card and Regalia Gold Credit Card?
Vistara Signature Credit Card — Income ₹6L+, open application. Regalia Gold Credit Card — Income ₹6L+, open application. Eligibility (income floor, invite-only status, existing-relationship requirements) is often the real deciding factor, not the headline lounge perk.
Is Vistara Signature Credit Card or Regalia Gold Credit Card better value?
Loungely value score — Vistara Signature Credit Card: 3/5 (best for vistara / air india flyers wanting lounge access and flight upgrades). Regalia Gold Credit Card: 4/5 (best for domestic flyers who spend ₹60k+/quarter, plus occasional international travel). Both are India cards, so the fee and access figures are directly comparable in INR.
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