When it comes to lifestyle credit cards, there are not much options in the market better than the HDFC Regalia credit card. It is packed with travel, shopping, dining, and other lifestyle benefits that a person wants with their card, and all this is provided at an annual fee of Rs. 2500.

Recently, the HDFC Bank launched a new offering to its Regalia lineup of cards, the Regalia Gold credit card. Again, this card has an annual fee of Rs. 2500 and offers some of the best in-class lifestyle and travel benefits. Someone who loves a lavish lifestyle can go for this card without any second thoughts, and it even offers the Exclusive Gold Catalogue to redeem reward points.

Upgrade to HDFC Regalia Gold from HDFC Regalia Post

These days, many HDFC Regalia credit cardholders are receiving offers to upgrade their Regalia credit card to the Regalia Gold credit card. In this article, we will take a look at if it is fine to switch to the Regalia Gold card and what does it offer better when compared to the HDFC Regalia credit card.

HDFC Regalia vs. HDFC Regalia Gold – Which is Better

Let’s compare the fees and charges and the benefits and rewards offered by both credit cards –

Fees and Charges

Both the Regalia and Regalia Gold credit cards charge a joining and annual fee of Rs. 2500 plus taxes. You can get the renewal fee on the Regalia card waived off on spending Rs. 3 Lakhs or above in the previous year, but the Regalia Gold credit card, you have to spend 4 lacs to get fee waiver.

Welcome Benefits

The Regalia credit card offers bonus 2500 reward points as a welcome benefit to the cardholder.

The Regalia Gold card offers a complimentary Club Vistara Silver Tier and an MMT Black Elite membership on spending Rs. 1 Lakh or more within 90 days of card issuance.


Both the Regalia and Regalia Gold credit cards offer 12 complimentary domestic and 6 complimentary international lounge access to cardholders.

Insurance Benefits

Both the credit cards offer accidental air death insurance cover up to Rs. 1 Crore and overseas hospitalization cover worth Rs. 15 Lakhs.

Milestone Benefits

The Regalia card offers bonus 10,000 reward points on spending Rs. 5 Lakhs in the anniversary year. You get an additional 5000 reward points on spends of Rs. 8 Lakhs or above in the previous year.

The Regalia Gold credit card offers Rs. 1500 worth gift vouchers from Marriott, M&S, Reliance Digital, etc. on spending Rs. 1.5 Lakhs or more in the calendar quarter. You get a complimentary flight ticket worth Rs. 5000 on spending Rs. 7.5 Lakhs or more in the card anniversary year.

Reward Earning Rate

The Regalia credit card offers 4 reward points per Rs. 150 spent with the card.

Regalia Gold also offers 4 reward points per Rs. 150 spent with the card, including education, utilities, and insurance spends. Also, you get accelerated 20 reward points per Rs. 150 spent at partner brands like Nykaa, Marks and Spencers, Myntra, Reliance Digital, and more.

Reward Redemption

Both the Regalia and the Regalia Gold credit card have the same value when redeeming reward points against different options.

  • Smartbuy – Rs. 0.5
  • Airmiles – 0.5 Airmiles
  • Rewards Catalog – Rs. 0.2 to Rs. 0.35
  • Cashback – Rs. 0.2

But, the Regalia Gold credit card gives you access to the Exclusive Gold Catalog where you can redeem your points for Apple, Samsung and other products at 0.65 Re/pt, which is not there on Regalia. Also, the Regalia Gold reward points can be transferred to new partners like Aeroplan, LifeMiles, Accor, etc. while Regalia allows transfer only to the older partners.

Why Choose Regalia Gold Over the Regalia?

As discussed above, there are several reasons which make the Regalia Gold credit card better than the Regalia –

  • The reward rate on both the cards is same, but the Regalia Gold has partner brands Myntra, Nykaa, Reliance Digital, etc. on which you get 5x reward points.
  • The Regalia Gold has better milestone benefits and even offers complimentary flight tickets on achieving the target spend amount.
  • With the Regalia Gold credit card, you get access to the exclusive Gold Catalog for reward redemption and access to new points transfer partners like Aeroplan, LifeMiles, Accor, etc.

Read More: HDFC Millennia Credit Card vs HDFC Regalia First Credit Card

Bottom Line

The HDFC Regalia range of credit cards is one of the best choices in the market for people who live a lavish lifestyle. The card is packed with elite privileges across multiple categories, right from travel, dining, movies, and more.

Even though both the cards charge a similar Rs. 2500 joining fee and are great in their own way, the Regalia Gold is the slightly better choice out of the two. The features and benefits, especially reward redemption and milestone benefits, are better with HDFC Regalia Gold. If you own a Regalia credit card, then we recommend you to switch over to the Regalia Gold credit card.


  1. On the contrary, I feel Regalia seems like a better option from the points you have raised.
    If you spend 8 lakhs, in Regalia you get 15000 bonus points (10k on 5 Lakh spend, 5k in 8 lakhs, total 15k), which is 7500 Rs if you want to use it to book flight tickets.

    In Regalia Gold, you get a flight ticket worth 5000 Rs for 7.5 Lakh spend (can’t use it in chunks if the flight is cheaper, unlike earlier option). Then 1500 Rs vouchers of Marriott, M&S, Reliance Digital etc for spending 1.5 Lakh per quarter. You get almost nothing for 1500 Rs in these stores. You end up spending more !

    I’m happy with my Regalia for now since I want to use it for flights.

  2. Ya, even I do not find benefit of upgradation. Infact there is no renew fee waiver based on spend on Regalia Gold. Not going for it.

      • Himanshu singh chauhan Reply

        It has been clearly observed not much of difference between both card. Its useless to upgrade to gold. Being leader in Credit card, HDFC should come with better upgradable options for existing customers based on their spending.
        Till than happy with Regalia

        • Regalia gold has weaver on 4 lacs spent where regalia has weaver on 3 lacs spent! Please correct this info

    • Exactly this seems like a paid article.
      HDFC gave a lot of benefits on Regalia to get customers and now instead of changing terms they are trying to trick you into a downgrade by calling it Gold.
      Not only will you miss out on the waiver the reward benefits on milestones are much better with Regalia and also offers a lot of redemption flexibility.

      • Shubham, with Regalia Gold we get access to new flights/hotels transfer partners. Like with Regalia Gold we can also transfer pts to accor. Value of each accor pt is around 1.8 Re.

        If your Regalia card is LTF then you should stick to it.

  3. From what’s described in this article, I find that Regalia is better option than Regalia Gold.

  4. My Regalia card is LTF while I called and checked for Regalia Gold – it is only 1st year free!! I’m happy with Regalia itself!!

  5. Regalia Gold does not provide fuel surcharge waiver of 1%. I cancelled my credit card upgrade for just this one reason.

    • Thanks for the valuable input to avoid this surprise. It does not make any sense if i had to use credit card at fuel station only to incur 1% surcharge.

    • Vikas Tiwari Reply

      I feel the Regalia card has been a good card ,with lot of benifits and has served hdfc and its customers well..If hdfc wanted wants to upgrade it’s regalia card customers..it should offer them the Diners card which Is a step above regalia and the no 1 card of hdfc bank while regalia is no 2.. that would be a real upgrade…
      So not going for the regalia gold…

  6. I thought, I was lost reading this article…. the comments helped to affirm, what I felt is correct… not going for free upgrade…..

  7. I am surprised that they are calling this as an upgrade. It should be a downgrade to gold with added fee …lol

  8. Ajoy Biswas Reply

    I also got the offer but I’m happy with LTF regalia. Actually HDFC want to LTF to paid one in the name of upgrade.

  9. Regalia is LTF while Regalia gold is free for just 1 year..Happy with my Regalia card.

  10. Umalakshmi Reply

    For people saying you get much more rewards in Regalia over Regalia gold, how much do you sepnd online these days? With new vendors like Myntra, Nykaa, Reliance DIgital and MakeMyTrip, get 5x rewards now is a breeze. which will cover the 10k and 5K points on spends if you use these sites regularly.
    Also, new benefit is that you can transfer your points to different vendors which is not available in a lot of cards.
    Regalia Gold in LTF too in you spend over 4L in the year and in Regalia it was 3L. For people who got their regalia last year, there is no LTF unless you go over the spend limit.
    If you look at all these, Regalia Gold has more added benefits, specifically usage related benefits.

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