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Regalia Gold Closing the Regalia Gold Card

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maynigam

maynigam

TF Premier
Hello guys
I was holding regalia LTF for a long time and upgraded to regalia gold last year as FYF. Since its a card with very poor returns, I hardly used the card and I am planning to cancel it.
I hold a Tata Neu Infinity card (FYF).
I wanted to know if it is okay to close an HDFC core card and keep only a co branded card?
Will it become difficult to apply another core card in the future if I want to?
Also planning to apply for HDFC swiggy card in the future, is it going to be a hinderance?

Thanks in advance.
 
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maynigam said:
I wanted to know if it is okay to close an HDFC core card and keep only a co branded card?
Will it become difficult to apply another core card in the future if I want to?
Click to expand...
Yes. You won't be able to apply for core card but you can ask hdfc to upgrade your co-branded card to core card.

maynigam said:
Also planning to apply for HDFC swiggy card in the future, is it going to be a hinderance?
Click to expand...
No problem in that.
 
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b4bhar said:
You should have stayed with lft regalia when your spends are not high on this card. Even i got many emails from them to upgrade to Regalia gold FYF. I just stayed put
Click to expand...
Exactly. I hold regalia first LTF and they pester me every few months with a new card like Millenia or Gold, but they never offer a LTF card.
HDFC cards are good atleast for buying apple devices, you always get cashback straight from the launch dates.
 
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BMR said:
Exactly. I hold regalia first LTF and they pester me every few months with a new card like Millenia or Gold, but they never offer a LTF card.
HDFC cards are good atleast for buying apple devices, you always get cashback straight from the launch dates.
Click to expand...
All such offers can be availed on co branded card as well na?
 
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maynigam said:
Regalia seems totally useless. Atleast regalia gold had good lounge access and priority pass!
Click to expand...
The business variant of Regalia LTF still has free lounge access alongwith addon card. Used personally.

Also the limits of recent devaluations are better than standard Regalia LTF. It's the points redemption that's the problem.

I had converted my Business Regalia to Rupay.C9nvertedb8t back due to issues of international acceptance, international lounge access and lack of acceptance on UPI.

Regalia gold is definitely not worth2500+tax. I feel idfc wealth, federal celesta and Indusind Pinnacle, kotak zen signature and Standard chartered Easemytrip to be better deals with lounge access,ltf and online offers on Amazon and bookmyshow.thats my opinion and yours can differ.

For me, HDFC isn't getting any new business or card usage unless and until I get a ltf upgrade offer. Period.
 
Last edited:
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jhanishdev said:
The business variant of Regalia LTF still has free lounge access alongwith addon card. Used personally.

Also the limits of recent devaluations are better than standard Regalia LTF. It's the points redemption that's the problem.

I had converted my Business Regalia to Rupay.C9nvertedb8t back due to issues of international acceptance, international lounge access and lack of acceptance on UPI.

Regalia gold is definitely not worth2500+tax. I feel idfc wealth, federal celesta and Indusind Pinnacle, kotak zen signature and Standard chartered Easemytrip to be better deals with lounge access,ltf and online offers on Amazon and bookmyshow.thats my opinion and yours can differ.

For me, HDFC isn't getting any new business or card usage unless and until I get a ltf upgrade offer. Period.
Click to expand...
Now that I have Atlas and BOB Eterna. Lounge access is not a problem. Definitely no need for regalia gold
 
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b4bhar said:
At least for me they are useless as i dont frequently visit airports. Also, regalia was LTF but gold is just FYF. Also, i changed my regalia visa to rupay for upi benefits
Click to expand...
My REGALIA LTF is expiring on 2031...YES...received renewed CC last month.
Can i convert my VISA to RUPAY?
Will LTF continue?
 
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maynigam said:
Hello guys
I was holding regalia LTF for a long time and upgraded to regalia gold last year as FYF. Since its a card with very poor returns, I hardly used the card and I am planning to cancel it.
I hold a Tata Neu Infinity card (FYF).
I wanted to know if it is okay to close an HDFC core card and keep only a co branded card?
Will it become difficult to apply another core card in the future if I want to?
Also planning to apply for HDFC swiggy card in the future, is it going to be a hinderance?

Thanks in advance.
Click to expand...
Try to make Regalia gold LTF. If it takes time, meantime upgrade it to Millennia FYF or LTF (as fee waiver criteria can be easily achievable). Later try to push for LTF upgrade to higher variant card after few months. Don't loose core card, atleast take virtual rupay card. Annual fee is 99 Rs + GST.
 
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maynigam said:
Hello guys
I was holding regalia LTF for a long time and upgraded to regalia gold last year as FYF. Since its a card with very poor returns, I hardly used the card and I am planning to cancel it.
I hold a Tata Neu Infinity card (FYF).
I wanted to know if it is okay to close an HDFC core card and keep only a co branded card?
Will it become difficult to apply another core card in the future if I want to?
Also planning to apply for HDFC swiggy card in the future, is it going to be a hinderance?

Thanks in advance.
Click to expand...
I recommend u to apply swiggy card first and close or downgrade to millennia/Moneyback+ LTF
 
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rajcasio said:
My REGALIA LTF is expiring on 2031...YES...received renewed CC last month.
Can i convert my VISA to RUPAY?
Will LTF continue?
Click to expand...
My card was expiring next year. I asked them to change it to Rupay without renewing it. They did it within 5 days and sent the rupay card. Also, confirmed bew card is also rupay card.
 
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