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Redemption calculations are complicated, so take it for assumption purpose.
Note: Redemption options high in Regalia Gold compared to Atlas/Horizon. And do note above values assumed if user redeemed those vouchers (that means user ok with that redemption) or transferred those miles to those programs (that means user aware those available programs) when applying these cards.
It seems no mention about fuel surcharge waiver in HDFC Regalia Gold. So, double check before using card but milestone benefits applicable on fuel spends too.
DM for referrals / check signature.
#1
2500 EDGE Miles shall be credited to cardholders’ EDGE Miles account upon successful completion of 1 transaction on the card within 37 days from the date of card issuance Note: This will be applicable for all cards sourced from 20th April 2024 onwards.
Redemption calculations are complicated, so take it for assumption purpose.
| CATEGORY | ATLAS | HORIZON | REGALIA GOLD |
| Joining Fee | 5900 | 3540 | 2950 (or FYF/LTF) |
| Welcome Benefit | 2.5K EDGE Miles (EM) #1 | 5K EM | 2500 Voucher if Fee Paid (Net: -450) |
| Annual Fee | 5900 | 3540 | 2950 (or LTF) waived if >4L Spends |
| Renewal Benefit | Upto 15K EM (based on Tier)* *See yearly benefit below | 1.5K EM | 0 (Net: -2950) |
| Exclusions | Jewlry, Rent, Govt., Insurance, Fuel, Utilities, Wallet | Utility, Insurance, Education, Govt. Spends, Wallet, Rent, Fuel, Transportation & Toll | Rent, Govt., Wallet |
| Travel (Airlines, Hotels and Travel EDGE) | 5 EM/100 (upto 2L) then 2 EM/100 | 5 EM/100 | 4 RP/150 * (5x = Flights/BUS/MMT, 10x = Hotels, 3x = Trains) |
| Marks & Spencer, Myntra, Reliance Digital, Nykaa! | 2 EM/100 | 2 EM/100 | 20 RP/150 |
| Other Spends | 2 EM/100 | 2 EM/100 | 4 RP/150 |
| Yearly Benefit: | Annual + Milestone EM | - | Quarterly + Milestone RP/Brand vouchers (Myntra, Reliance Digital, Marriott etc.)/Smartbuy flight voucher |
| 1.5L Spends in a year | - | - | 1500Rs. BV (If spend in a quarter) |
| 3L Spends in a year | 0 EM + 2.5K EM = 2.5K EM | - | - |
| 5L Spends in a year | - | - | 4500Rs. (3Q) + 5000Rs. SV = 9500Rs. |
| 7.5L Spends in a year | 2.5K EM + 2.5K (3L) + 2.5K EM = 7.5 EM (Gold) | - | 7500Rs. (5Q) + 5000Rs. SV = 12.5K Rs. |
| 15L Spends in a year | 5K EM + 2.5K (3L) + 2.5K (7.5L) + 5K EM = 15K EM (Platinum) | - | - |
| Redemption (Domestic Options): | Group A: 30K EM Limit/Year Group B: 1.2L EM Limit/Year | Group A: 1L EM Limit/Year Group B: 4L EM Limit/Year | Gold Catelogue: 1 RP = 0.65p |
| Travel EDGE (TE) / Smartbuy (SV) | 1 EM = 1 Rs. | 1 EM = 1 Rs. | 1 RP = 0.50p |
| Accor, Marriott, Wyndham (Gr. A) | 1 EM = 2 Miles/Points (MP) except Marriott 2 EM = 1 MP for Marriott | 1 EM = 1 MP | 1 RP = upto 0.5 MP (Accor, Wyndham) |
| Vistara, ITC, IHG (Gr. B) | 1 EM = 2 MP | 1 EM = 1 MP | 1 RP = upto 0.5 MP (IHG) |
| Products/Vouchers | - | 1 EM = upto 0.30p | 1 RP = upto 0.35p |
| Statement Balance | - | - | 1 RP = 0.20p |
| Lounge | Upto 18 Domestic, 12 International (based on Tier) | Upto 32 Domestic, 8 International | 12 Domestic, 6 International (Direct benefit) |
| Net Return: 1 EM = 1 Rs. 1 MP = 1 Rs. | High reward 5M & MP to low reward 2 EM & TE Ex: Spent entirely on Travel EDGE to earn 5M/100 and redemption to 1:2 Miles/Hotel partner (high reward case) Or Spent entirely offline at 2M/100 and redemption through Travel EDGE 1:1 (low reward case) | High reward 5M & MP to low reward 2 EM & TE Ex: Spent entirely on Travel EDGE to earn 5M/100 and redemption to 1:1 Miles/Hotel partner (high reward case) Or Spent entirely offline at 2M/100 and redemption through Travel EDGE 1:1 (low reward case) *without Joining bonus/fee (will include once card official to everyone) | High reward 20 RP & Gold Catelogue to Low reward 4 RP & Direct Flight/Hotel booking (and spends 1.5L in a quarter) |
| 1.5L Spends in a year | 10K EM to 5.5K EM - 11.8K Fee (JF+AF) = 5.4% to -4.2% | 9K to 4.5K EM - 3540 Fee (AF) = 3.64% to 0.64% | 20K RP to 4K RP - 3.4K Fee (JF+AF) = 7.23% to 0.06% |
| 3L Spends in a year | 20K EM to 11K EM - 11.8K Fee (JF+AF) = 9% to -0.25% | 16.5K to 7.5K - 3540 Fee (AF) = 4.3% to 1.32% | - |
| 5L Spends in a year | 30K EM to 15K EM - 11.8K Fee (JF+AF) = 9.64% to 0.64% | 26.5K to 11.5K - 3540 Fee (AF) = 4.6% to 1.6% | 66.67K RP to 13.33K RP - 3.4K Fee (JF+AF) = 9.8% to 2.54% |
| 7.5L Spends in a year | 47.5K EM to 25K EM - 11.8K Fee (JF+AF) = 10.92% to 1.73% | - | 1L RP to 20K RP - 3.4K Fee (JF+AF) = 9.83% to 2.53% |
| 15L Spends in a year | 92.5K EM to 47.5K EM - 11.8K Fee (JF+AF) = 11.45% to 2.36% | - | - |
Note: Redemption options high in Regalia Gold compared to Atlas/Horizon. And do note above values assumed if user redeemed those vouchers (that means user ok with that redemption) or transferred those miles to those programs (that means user aware those available programs) when applying these cards.
It seems no mention about fuel surcharge waiver in HDFC Regalia Gold. So, double check before using card but milestone benefits applicable on fuel spends too.
DM for referrals / check signature.
#1
2500 EDGE Miles shall be credited to cardholders’ EDGE Miles account upon successful completion of 1 transaction on the card within 37 days from the date of card issuance Note: This will be applicable for all cards sourced from 20th April 2024 onwards.
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