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HDFC Regalia Gold is an upgraded version of HDFC Regalia Credit Card. While the annual fee is the same for both cards, the Gold Variant has a more extensive set of features. A few years ago, Regalia had similar features but was eventually down-valued.
Here is a comparison between the two cards:
| HDFC Regalia | HDFC Regalia Gold | |
|---|---|---|
| Annual Fee | Rs. 2,500 | Rs. 2,500 |
| Reward Rate | 4 reward points per Rs. 150 spent across all categories | 4 reward points per Rs. 150 spent across all categories 5X reward points on Myntra, Marks and Spencer, Nykaa and Reliance Digital |
| Redemption Options | Redeem on SmartBuy for Flights and Hotel Booking, Airmiles, Products and vouchers and Cashback | In addition to SmartBuy redemption options like Regalia, an Exclusive Gold Catalogue is available for redemption against premium brands |
| Lounge Access | Up to 8 complimentary domestic and 6 complimentary international lounge visits in a year | 12 complimentary domestic and 6 complimentary international airport lounge visits for primary and add-on cardholder |
| Milestone Benefits | 10,000 bonus reward points on spending Rs. 5 Lakh & 5,000 additional bonus rewards on spending Rs. 8 Lakh | Quarterly Milestone:
Spend Rs. 1.5 Lakh and get Rs. 1,500 voucher from Myntra, Marriott, M&S or Reliance Digital Annual Milestone: Rs. 5,000 flight voucher on spending Rs. 5 Lakh in a year & additional Rs. 5,000 flight voucher on spending Rs. 7.5 Lakh in a year |
| Renewal Fee Waiver | On spending Rs. 3 Lakh in the preceding year | On spending Rs. 4 Lakh in the preceding year |
Which is better?
If you have a Regalia or Regalia First variant, we would suggest you to move to Gold because:
- Though the base reward rate is same, HDFC Regalia Gold offers accelerated earnings on certain brands along with the option to redeem the accumulated rewards against Exclusive Gold Catalogue, which has some good premium brands. Lounge access benefits are also better on Gold.
- While HDFC Regalia offers bonus reward points on reaching spending milestones, cardholders can avail flight vouchers up to Rs. 10,000 (by spending Rs 50,000 less) with the Regalia Gold Credit Card, that should be more beneficial
However, if you rarely travel and prefer RPs as milestone benefits, you may stick to the Regalia card.
Also Read: Best HDFC Credit Cards
8 Comments
For HDFC regalia gold credit card, is there any minimum amount of usage/spending criteria to avail free/complementary domestic/ international lounge access?? Asking this since for majority of the credit cards, one needs to spend at least 50 – 70 thousand in previous quarter to avail free lounge access in next Quarter . Also any annual fees for Add on card?? and is add on card holder can use free lounge access( same as primary card holder?
No, you are not required to achieve any spending milestone to avail complimentary domestic and international lounge visits. Also, HDFC Bank does not charge any fee for add-on cards with HDFC Regalia Gold Credit Card, and you can avail them lifetime free. Also, using Priority Pass, you and your add-on cardholder can together avail up to 6 complimentary international lounge visits every year.
Is there any life Insurence with regalia gold. If yes,for what amount and what is the criteria to claim it in case of sudden demise of the card holder?
HDFC Regalia Gold Credit Card offers an accidental air death cover of Rs. 1 Crore, emergency overseas hospitalization coverage of up to Rs. 15 Lakh, and a credit liability cover of up to Rs. 9 Lakh. In case of sudden demise, the air accident cover is applicable if the cardholder sustains bodily injury in an air accident, resulting in death within 12 months of the incident.
Is there any restrictions of use per quarter in case of lounge access in HDFC regalia gold credit card
No. There are no quarterly restrictions on Regalia Gold’s lounge access feature. You can avail 12 domestic and 6 international lounge visits in a year.
Should I move to HDFC regalia gold from HDFC millenium card
HDFC Regalia Gold can be a good option if you seek all-round benefit on your everyday spends, primarily around travel, shopping, and partnered brands like Myntra, Nykka, etc. It is definitely a better option than HDFC Millennia, in terms of lounge access, milestone benefits, redemption options and overall reward rate. However, if most of your spends are spread across the partnered brands on Millennia and you don’t want to pay a high annual fee, sticking to HDFC Millennia would be better.