Multiple issuers, multiple charges, and so many feature complications make it essential to carefully analyze your best credit card choice and apply for the one that is most suited to you and most beneficial. At first glance, Legend and Regalia Gold might seem poles apart for a comparison, when in reality, many are bogged down by the question of which is the best.
The IndusInd Legend Credit Card is an entry-level credit card that comes with no joining fee or annual fee, and it is a great choice for users who are new to credit cards. On the other hand, the HDFC Regalia Gold Credit Card comes at a price of ₹2,500 + GST and is a suitable choice for users who are looking for benefits like welcome benefits, lounge access, insurance benefits, and much more.
In the end, IndusInd Legend and HDFC Regalia Gold may not be on the same level for a direct comparison. If you are looking for a lifetime free credit card with basic benefits, you can choose IndusInd Legend. However, if you don’t mind paying an annual fee and want better rewards and premium benefits, HDFC Regalia Gold is a great option. With that in mind, let’s compare both credit cards.
Fees and Joining Benefits
While choosing a credit card, the first thing the applicant looks for is the joining and renewal fee of the credit card. If the joining fee is high, the benefits of the credit card should compensate for this cost.
When we compare the IndusInd Legend and the HDFC Regalia Gold Credit Card in terms of fees and joining benefits, the Legend credit card offers no benefits, as it comes with no joining benefits, and the Regalia Gold credit card comes with a joining fee of ₹2,500 + GST, and as a joining benefit, the user will receive a gift voucher worth ₹2500, a complimentary MMTBLACK Gold and Swiggy One membership upon spending over ₹1 Lakh within 90 days of getting the credit card issued.
While the IndusInd Legend Credit Card has no joining fee, it also does not have any joining benefits, but the HDFC Regalia Gold Credit Card provides benefits that justify its joining fee.
Comparing Milestone Benefits
When it comes to milestone benefits, the IndusInd Legend Credit Card offers a simple reward. If you spend ₹5 lakhs or more within one year from the card issuance date, you will earn 3,000 bonus Reward Points. The bonus points are credited within 45 days after completing one year.
The HDFC Regalia Gold Credit Card offers valuable rewards. If you spend ₹1.5 lakhs in a calendar quarter, you will receive ₹1,500 worth of vouchers from brands like M&S, Myntra, Marriott, or Reliance Digital, one voucher each quarter. If you spend ₹5 lakhs in a year, you’ll get ₹5,000 worth of flight vouchers. If you spend ₹7.5 lakhs in the card anniversary year, you’ll receive an extra ₹5,000 worth of flight vouchers. This means you can earn several vouchers throughout the year.
In terms of milestone benefits, the HDFC Regalia Gold Credit Card is a clear winner as it not only provides more value, but it is also transparent, while the IndusInd bonus reward points have low redemption value.
Which Card Offers Better Reward Points
With the IndusInd Legend card, you earn 1 Reward Point for every ₹100 spent on weekdays and 2 Reward Points for every ₹100 spent on weekends, which is better for weekend purchases. However, this card does not offer rewards for important categories like fuel, utility bills, rent, education fees, government charges, and insurance payments. Also, transactions related to medical, automobile, and telecom services earn a flat 1 Reward Point for every ₹100 spent, regardless of the day.
HDFC Regalia Gold gives you 5 Reward Points/₹200 spent on retail purchases, including utilities, insurance, and education. These categories are not covered by the IndusInd card. HDFC also offers extra rewards of 25 Reward Points per ₹200 at select brands like Myntra, Marks & Spencer, Nykaa, and Reliance Digital, though there are limits on these rewards. Grocery purchases and insurance transactions have monthly and daily caps on rewards, respectively.
The IndusInd Legend card offers higher rewards on weekends, but it does not include many categories. In contrast, the HDFC Regalia Gold card provides more overall options and extra rewards for specific brands.
Airport Lounge Access
Frequent travelers mostly look forward to airport lounge access that comes as a complimentary benefit with the credit card. In terms of complimentary airport lounge access, the IndusInd legend credit card does not offer any benefits.
On the other hand, the HDFC Regalia Gold credit card offers 12 complimentary domestic lounge access at Indian airports every year for both international and domestic terminals and six complimentary international lounge access every year through the Priority Pass for both the primary and add-on cardholders.
Bottom Line
The IndusInd Legend Credit Card is a good choice for beginners who want a card with no annual fee and basic rewards. It is easy to use but offers limited benefits.
The HDFC Regalia Gold Credit Card is a great choice for rewards and premium benefits. Although it costs ₹2,500 + GST, it provides strong welcome offers, valuable milestone vouchers, and better rewards in categories like utilities and insurance. You also earn extra rewards on certain brands and enjoy access to airport lounges for both domestic and international travel. These features make the annual fee worth it.
If you’re ready to pay an annual fee for better rewards, travel benefits, and premium features, the HDFC Regalia Gold Credit Card is the better option compared to the IndusInd Legend Credit Card.