Which card is best regalia gold vs DCB metal card?

Pls compare on basis of return % and my max spends are rent,grocery,utilities.

If your main spends are rent, groceries, and utilities, then between Regalia Gold and DCB Metal, the clear winner is DCB Metal.

Regalia Gold gives decent rewards, but on day-to-day categories like groceries and utilities, the return isn’t great. Rent payments also don’t give meaningful value after recent changes.

DCB Metal, on the other hand, gives a flat 2% reward rate on almost everything (except the usual excluded categories). That makes it far better for regular monthly spends. Even after the revised reward rules, DCB Metal still beats Regalia Gold for the categories you mentioned.

So, in short:

• Rent: DCB Metal > Regalia Gold
• Groceries: DCB Metal > Regalia Gold
• Utilities: DCB Metal > Regalia Gold

Unless you specifically want lounge benefits or milestone perks from Regalia Gold, DCB Metal is the better overall value card for your spend pattern.