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