HDFC Bank Regalia vs Regalia Gold Credit Card

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

CATEGORYREGALIAREGALIA GOLD
Base Rewards4 rewards points per Rs 150 ~1.3%4 rewards points per Rs 150 ~1.3%
Spends at 5X PartnersNA20 rewards points per Rs 150 ~6.7%
Milestone Rewards10000 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 FeeREGALIAREGALIA GOLD
Joining FeeRs 2500+GSTRs 2500+GST
Welcome MembershipNoneComplimentary Club Vistara Silver Tier and MMT Black Elite Membership
Welcome Memberships2500 Reward Points if the joining fee is paidRs 2500 Gift Voucher if fee is paid
Annual FeeRs 2500+GSTRs 2500+GST
Annual Fee WaiverRs 3 Lakhs spend in a membership yearRs 4 Lakhs spend in a membership year
Renewal Benefit2500 Reward Points if the renewal fee is paidNone

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.

SitesRewardsValue 1Reward Point = 50 P
Amazon5X6.60%
Apple Tresor5X6.60%
Flights5X6.60%
Flipkart3X3.90%
Hotels10X13.30%
IGP.com10X13.30%
Instant Voucher5X6.60%
IRCTC3X3.90%
Redbus5X6.60%

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 Option1 Reward Points Value
Airmiles0.5 Airmiles
Cashback20 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

Leave a Comment