Are you considering upgrading your HDFC Bank Regalia Credit Card to the new Regalia Gold? This comprehensive comparison between the HDFC Bank Regalia and Regalia Gold credit cards will assist you in making an informed decision. Both cards offer unique rewards and benefits, but which one is better suited for your needs? Let’s dive into the details.
Fees and Charges
When it comes to fees and charges, there is no significant difference between the HDFC Bank Regalia and Regalia Gold Credit Cards. Both cards have a joining fee of Rs 2500 + GST and an annual fee of Rs 2500 + GST.
However, there are slight variations in the welcome and renewal benefits.
With the Regalia Credit Card, you receive 2500 reward points if the joining fee is paid, while the Regalia Gold Credit Card offers a complimentary Club Vistara Silver Tier and MMT Black Elite Membership as a welcome benefit. Additionally, the Regalia Credit Card provides 2500 reward points if the renewal fee is paid, whereas the Regalia Gold Credit Card does not offer any renewal benefit.
Rewards
Base Rewards
Both the Regalia and Regalia Gold Credit Cards provide 4 reward points (RP) per Rs 150 spent, which translates to approximately 1.3% cashback.
Spends at 5X Partners
The Regalia Gold Credit Card introduces a valuable advantage over the Regalia Credit Card by offering 20 reward points per Rs 150 spent at 5X partner outlets. Currently, the 5X reward partners include Marks & Spencer, Myntra, Reliance Digital, and Nykaa. Please note that the bonus points earned in this category are capped at 5000 reward points per calendar month.
Milestone Rewards
The Regalia Gold Credit Card presents superior milestone benefits compared to the Regalia Credit Card. For the Regalia Gold, spending Rs 1.5 Lakhs in a calendar quarter will earn you a reward of Rs 1500 in the form of a gift voucher.
The options for gift vouchers include Marriott, Myntra, Marks and Spencer, or Reliance Digital. Moreover, reaching specific spending milestones with the Regalia Gold can earn you exciting flight vouchers. A flight voucher worth Rs 5000 is awarded for reaching Rs 5 Lakhs in spending, and an additional flight voucher of Rs 5000 is given for reaching Rs 7.5 Lakhs in spending within a membership year. On the other hand, the Regalia Credit Card provides 10000 reward points for spending Rs 5 Lakhs in a membership year and 5000 reward points for spending Rs 8 Lakhs in a membership year.
It is evident that the Regalia Gold Credit Card offers extra benefits and better rewards compared to the Regalia Credit Card. With access to 5X rewards partners and enhanced milestone benefits, the Regalia Gold becomes an attractive option for high spenders.
SmartBuy Rewards
Both the Regalia and Regalia Gold Credit Cards provide the same benefits on SmartBuy, an online shopping platform. The bonus rewards on SmartBuy are capped at 4000 reward points per calendar month and 2000 reward points per day. Here are the rewards offered for various shopping categories:
- IGP.com: 10X rewards (13.3% value at 1RP = 50 paise)
- Flights: 5X rewards (6.6% value at 1RP = 50 paise)
- Hotels: 10X rewards (13.3% value at 1RP = 50 paise)
- IRCTC: 3X rewards (3.9% value at 1RP = 50 paise)
- Redbus: 5X rewards (6.6% value at 1RP = 50 paise)
- Instant Voucher: 5X rewards (6.6% value at 1RP = 50 paise)
- Apple Tresor: 5X rewards (6.6% value at 1RP = 50 paise)
- Flipkart: 3X rewards (3.9% value at 1RP = 50 paise)
Redemption Options
Both the Regalia and Regalia Gold Credit Cards offer the same value when redeeming reward points. However, the Regalia Gold Credit Card provides access to a Gold Catalogue, although the available options are currently unclear. In addition, the Regalia Gold allows mile transfers to partners such as Accor, LifeMiles, Aeroplan, just like the premium Infinia and DCB cards. On the other hand, the Regalia Credit Card only permits mile transfers to earlier partners, including Intermiles, Singapore Airlines (Krisflyer), and Club Vistara.
The redemption options available are as follows:
- SmartBuy (Flights/Hotels): 50 paise value per reward point
- Airmiles: 0.5 Airmiles per reward point
- Rewards Catalogue (Including Vouchers): 20 paise to 35 paise value per reward point
- Gold Catalogue (Only Regalia Gold): 65 paise value per reward point
- Cashback: 20 paise value per reward point
Airport Lounge Access
Both the Regalia and Regalia Gold Credit Cards provide airport lounge access benefits. Within India, you are entitled to 12 complimentary lounge accesses every year, and outside India, you receive 6 complimentary lounge accesses annually.
Which card is better – Regalia vs. Regalia Gold?
Considering all the features, benefits, and rewards, the Regalia Gold Credit Card emerges as the better option. With the same joining and annual fee as the Regalia Credit Card, the Regalia Gold offers additional advantages. High spenders can enjoy a higher return on their spending through the milestone benefits provided by the Regalia Gold. Furthermore, the Regalia Gold Credit Card presents enticing 5X reward partners, including Marks & Spencer, Myntra, Reliance Digital, and Nykaa. Lastly, the access to new mile transfer partners like Aeroplan and LifeMiles further enhances the value of the Regalia Gold Credit Card.
Advantages of Regalia Gold over Regalia
- 5X reward partners: Marks & Spencer, Myntra, Reliance Digital, and Nykaa
- Better milestone benefits with an extra return on spending
- Access to new mile transfer partners like Aeroplan and LifeMiles
FAQs
Q: What are the fees and charges for HDFC Bank Regalia and Regalia Gold Credit Cards?
A: Both cards have a joining fee of Rs 2500 + GST and an annual fee of Rs 2500 + GST. The Regalia Gold Credit Card offers a complimentary Club Vistara Silver Tier and MMT Black Elite Membership as a welcome benefit. However, the Regalia Credit Card provides 2500 reward points if the renewal fee is paid, while the Regalia Gold Credit Card does not offer any renewal benefit.
Q: What are the rewards offered by HDFC Bank Regalia and Regalia Gold Credit Cards?
A: Both cards provide 4 reward points (RP) per Rs 150 spent as base rewards, which is approximately 1.3% cashback. The Regalia Gold Credit Card offers additional rewards with 20 RP per Rs 150 spent at 5X partner outlets such as Marks & Spencer, Myntra, Reliance Digital, and Nykaa. Milestone benefits vary between the two cards, with the Regalia Gold providing a higher return on spending for high spenders.
Q: Are there any specific benefits for shopping or online purchases with these cards?
A: Yes, both the Regalia and Regalia Gold Credit Cards offer benefits on SmartBuy, an online shopping platform. The bonus rewards on SmartBuy are capped at 4000 reward points per calendar month and 2000 reward points per day. You can earn higher rewards for various shopping categories such as IGP.com, flights, hotels, IRCTC, Redbus, Instant Voucher, Apple Tresor, and Flipkart.
Q: What are the redemption options for the reward points earned on these cards?
A: Both the Regalia and Regalia Gold Credit Cards offer similar redemption options. You can redeem your reward points for SmartBuy (flights/hotels), airmiles, rewards catalogue (including vouchers), and cashback. The Regalia Gold Credit Card also provides access to a Gold Catalogue for redemption, although the available options are not clear at the moment.
Q: Do these credit cards provide airport lounge access benefits?
A: Yes, both the Regalia and Regalia Gold Credit Cards offer airport lounge access benefits. Within India, you can enjoy 12 complimentary lounge accesses per year, and outside India, you are entitled to 6 complimentary lounge accesses annually.
Q: Which card is better, Regalia or Regalia Gold?
A: Considering all the features, benefits, and rewards, the Regalia Gold Credit Card is a better option. It offers additional advantages such as 5X reward partners, better milestone benefits, and access to new mile transfer partners like Aeroplan and LifeMiles. Moreover, high spenders can benefit from the higher return on spending provided by the Regalia Gold Credit Card.