Hello Readers, Today in this blog we will discuss HDFC Bank Regalia Vs Regalia Gold Credit Card. Read the all comparsion between these card benefits, rewards and more details.
HDFC Regalia Credit Card is one of the popular premium credit cards. It is an all-rounder credit card that offers you a host of benefits on travel, shopping, dining and more. If you spend a lot with the credit card or travel frequently, you can get good reward points and benefits on this card. You can get domestic and international lounge access every year with this credit card. Overall, if you want to get premium benefits and are ready to pay high annual charges, then this is suitable for you.
Regalia Gold is HDFC Bank’s latest foray into the ‘Super Premium Category’. The credit card will be available to high-income individuals and is specially designed to meet the needs and requirements of travelers and lifestyle enthusiasts. The card is loaded with best-in-class travel and lifestyle benefits, allowing customers to travel globally and redeem rewards on a collection of premium brands through the exclusive Regalia Gold catalogue. It also offers cardholders complimentary access to airport lounges globally and premium milestone benefits.
HDFC Bank Regalia vs Regalia Gold Credit Card – Rewards
| CATEGORY | REGALIA | REGALIA GOLD |
|---|---|---|
| Base Rewards | 4 rewards points per Rs 150 ~1.3% | 4 rewards points per Rs 150 ~1.3% |
| Spends at 5X Partners | NA | 20 rewards points per Rs 150 ~6.7% |
| Milestone Rewards | 10000 rewards points on Rs 5 Lakhs spends in membership year 5000 rewards points on Rs 8 Lakhs spends Per Year | Rs 1500 Gift Voucher on Rs 1.5 Lakhs spend in a calendar quarter. The options are Marriott, Myntra, Marks and Spencer or Reliance Digital. Rs 5000 flight voucher on Rs 5 Lakhs spend in per year Rs 5000 flight voucher on Rs 7.5 Lakhs spend in per year |
Regalia Gold gets some additional benefits over Regalia. We get access to 5X Rewards Partners. At this point, 5X Rewards partners are Marks & Spencer, Myntra, Reliance Digital and Nykaa. The cap for Bonus Points in this category is 5000 rewards points per calendar month.
Read Also: Regalia Vs Diners Clubmiles Credit Card
Regalia Gold also gets enhanced milestone benefits. Milestone Benefit offers an additional return of 2.1% on Regalia Gold at a low spend of Rs 7.5 lakh in one membership year. Regalia milestones include an additional bonus return of just 0.94% on spend. So, if you are looking to spend more then Regalia Gold is a better option.
HDFC Bank Regalia vs Regalia Gold Credit Card – Fees and Charges
| Type of Fee | REGALIA | REGALIA GOLD |
|---|---|---|
| Joining Fee | Rs 2500+GST | Rs 2500+GST |
| Welcome Membership | None | Complimentary Club Vistara Silver Tier and MMT Black Elite Membership |
| Welcome Memberships | 2500 Reward Points if the joining fee is paid | Rs 2500 Gift Voucher if fee is paid |
| Annual Fee | Rs 2500+GST | Rs 2500+GST |
| Annual Fee Waiver | Rs 3 Lakhs spend in a membership year | Rs 4 Lakhs spend in a membership year |
| Renewal Benefit | 2500 Reward Points if the renewal fee is paid | None |
HDFC Bank Regalia and Regalia Gold Credit Card: SmartBuy Rewards
Both Regalia and Regalia Gold Credit Card get similar benefits at SmartBuy. The Bonus Rewards Smartbuy cap is 4000 Reward Points per calendar month and 2000 Reward Points per day.
| Sites | Rewards | Value 1Reward Point = 50 P |
| Amazon | 5X | 6.60% |
| Apple Tresor | 5X | 6.60% |
| Flights | 5X | 6.60% |
| Flipkart | 3X | 3.90% |
| Hotels | 10X | 13.30% |
| IGP.com | 10X | 13.30% |
| Instant Voucher | 5X | 6.60% |
| IRCTC | 3X | 3.90% |
| Redbus | 5X | 6.60% |
Airport Lounge Access
- REGALIA – 12 complimentary lounge access in India every year
- REGALIA GOLD – 6 complimentary lounge access outside India every year
Redemption Pption
Both Regalia and Regalia Gold have the same value when redeemed for Reward Points. Regalia Gold also gets access to a gold catalog, although the options are unclear at this time.
Regalia Gold also has new mile transfer partners like Accor, LifeMiles and Aeroplan, just like Infinia and DCB. Regalia gets miles transfer only to earlier partners – InterMiles, Singapore Airlines (CrisFlyer) and Club Vistara.
| Redemption Option | 1 Reward Points Value |
| Airmiles | 0.5 Airmiles |
| Cashback | 20 paise |
| Gold Catalogue (Only Regalia Gold) | 65 paise |
| Rewards Catalogue (Including Vouchers) | 20 paise to 35 paise |
| Smartbuy (Flights/Hotels) | 50 paise |
Which card is better – Regalia vs Regalia Gold?
If talking about joing and annual fee, Regalia Gold is a better option. If you spend more, you can get higher returns with Milestone Benefits.
Advantages of Regalia Gold over Regalia
- 5X Rewards Partners – Marks & Spencer, Myntra, Reliance Digital and Nykaa
- Enhanced milestone benefits with additional return on investment
- Access to new mile transfer partners like Aeroplan and LifeMiles