Card Comparison · India
HB Regalia Gold Credit CardvsSC SimplyCLICK Credit Card
Regalia Gold Credit Card and SimplyCLICK 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.
| HBRegalia Gold Credit Card | SCSimplyCLICK Credit Card | |
|---|---|---|
| Annual fee | ₹2,500/yr | ₹499/yr |
| Network | Visa Signature | Visa Signature |
| Access program | Priority Pass (6 intl visits/yr) + domestic card-swipe access | Visa Signature — 2 lounge visits/quarter |
| Intl lounge visits | 6/year | — |
| Domestic lounge visits | 3/quarter | — |
| Guest policy | No free guests — international guests ~US $27 + GST each. | — |
| Eligibility | Income ₹6L+, open application | Income ₹3L+, easy approval |
| Value score | 4/5 | 3/5 |
| Best for | Domestic flyers who spend ₹60k+/quarter, plus occasional international travel | Budget travellers wanting basic lounge access at minimum cost |
Regalia Gold Credit Card — full review
Fees, lounge terms, activation steps, pros & cons →
SimplyCLICK Credit Card — full review
Fees, lounge terms, activation steps, pros & cons →
Regalia Gold Credit Card vs SimplyCLICK Credit Card — frequently asked
Is Regalia Gold Credit Card or SimplyCLICK Credit Card cheaper?
SimplyCLICK Credit Card is cheaper at ₹499/yr vs ₹2,500/yr — a difference of 2,001 INR/yr. A lower fee only wins if the lounge access still covers the airports you fly through.
Which gives better lounge access, Regalia Gold Credit Card or SimplyCLICK Credit Card?
Regalia Gold Credit Card: Priority Pass (6 intl visits/yr) + domestic card-swipe access. SimplyCLICK Credit Card: Visa Signature — 2 lounge visits/quarter. 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 Regalia Gold Credit Card and SimplyCLICK Credit Card?
Regalia Gold Credit Card — Income ₹6L+, open application. SimplyCLICK Credit Card — Income ₹3L+, easy approval. Eligibility (income floor, invite-only status, existing-relationship requirements) is often the real deciding factor, not the headline lounge perk.
Is Regalia Gold Credit Card or SimplyCLICK Credit Card better value?
Loungely value score — Regalia Gold Credit Card: 4/5 (best for domestic flyers who spend ₹60k+/quarter, plus occasional international travel). SimplyCLICK Credit Card: 3/5 (best for budget travellers wanting basic lounge access at minimum cost). Both are India cards, so the fee and access figures are directly comparable in INR.
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