Regalia Gold Regalia or Regalia Gold which one to take?

[Anindya98]

Comparison between HDFC Regalia & Regalia Gold Credit Cards:

Features	HDFC Regalia Credit Card	HDFC Regalia Gold Credit Card
Annual Fee	₹2,500 + GST (waived on spending ₹3 lakhs annually)	₹2,500 + GST (waived on spending ₹3 lakhs annually)
Welcome Benefits	2,500 Reward Points	Complimentary Club Vistara Silver Tier and MMT Black Elite memberships
Reward Points	4 Reward Points per ₹150 spent	4 Reward Points per ₹150 spent
Milestone Benefits	10,000 Reward Points on spending ₹5 lakhs annually, 5,000 additional points on spending ₹8 lakhs annually	₹1,500 worth vouchers on quarterly spends of ₹1.5 lakh, ₹5,000 worth flight vouchers on annual spends of ₹5 lakh, and an additional voucher of ₹5,000 on reaching spends of ₹7.5 lakh
Lounge Access	12 domestic and 6 international lounge accesses per year	12 domestic lounge accesses and 6 international lounge accesses per year
Additional Benefits	Concierge services, Good Food Trail program	Concierge services, Good Food Trail program, 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa, and Reliance Digital
Foreign Currency Markup	3.5%	2%
Zero Lost Card Liability	Yes	Yes

Insight:
> The HDFC Regalia Gold Credit Card offers additional welcome benefits and milestone rewards, making it more attractive for frequent travelers and shoppers.
> Both cards provide similar lounge access and reward points, but the Regalia Gold card has extra perks like higher reward points on specific brands.
> Regalia Spend Based Lounge Access

Remember to review the latest terms and conditions for each card to make an informed decision!

 

[BVCBVC is verified member.]

Regalia has spend based lounge access which you haven't considered.



After Regalia Gold introduction, Regalia is an useless card in my opinion.

 

[Anindya98]

Regalia has spend based lounge access which you haven't considered.

View attachment 68801

After Regalia Gold introduction, Regalia is an useless card in my opinion.

I saw many asking the same question in TF that's why created a thread.
Thanks for the Update.

 

[BVCBVC is verified member.]

I saw many asking the same question in TF that's why created a thread.
Thanks for the Update.

If you have Regalia ask for Regalia Gold / Diners Black / Infinia upgrade based on the criteria. That's just an useless card.

 

[VaporWarrior]

A small correction, w.e.f. 1st Aug, 2024, the Forex markup on Regalia has now increased to 3.5% +GST

 

[Anindya98]

If you have Regalia ask for Regalia Gold / Diners Black / Infinia upgrade based on the criteria. That's just an useless card.

No, I don't have Regalia or RG. I have Tata Neu +, for me getting Regalia Gold LTF is tough. The BM is offering LTF Regalia Gold to my dad on opening a Max Savings Account. I am thinking of going through that route I will use my Second number and get the card and also will take an add-on for Internation Lounge Access.
I think the Regalia Gold Add-on also gets PP & Lounge access is shared. @BVC pls confirm.

 

[shivamk]

No, I don't have Regalia or RG. I have Tata Neu +, for me getting Regalia Gold LTF is tough. The BM is offering LTF Regalia Gold to my dad on opening a Max Savings Account.

Can I ask what was the criteria that the agent told for RG LTF? I don't have a HDFC card currently but have Savings Max account and am looking for RG LTF. If possible can you share the agent's contact? I will try reaching out to them

I think the Regalia Gold Add-on also gets PP & Lounge access is shared. @BVC pls confirm.

AFAIK yes

 

[Anindya98]

Can I ask what was the criteria that the agent told for RG LTF?

Salary 1.5L/ Month and he is NTB to HDFC. I was thinking of getting DCB/DCP but don't think they will agree on just opening a simple SB account with them.

If possible can you share the agent's contact? I will try reaching out to them

He is the DBM in our local branch. I don't think he can help you.

 

[BVCBVC is verified member.]

I think the Regalia Gold Add-on also gets PP & Lounge access is shared. @BVC pls confirm.

Yes add on gets shared lounges. You can use SMARTBUY benefits on add on with the capping too.

 

[shivamk]

Salary 1.5L/ Month and he is NTB to HDFC. I was thinking of getting DCB/DCP but don't think they will agree on just opening a simple SB account with them.

Are they asking you to shift salary account to HDFC? Plus Regalia is better than DCP

He is the DBM in our local branch. I don't think he can help you.

OK

 

[Anindya98]

Are they asking you to shift salary account to HDFC?

No, only the Last 3 months' Salary Slip and account statement.

 

[shivamk]

No, only the Last 3 months' Salary Slip and account statement.

I fulfill the criteria but as you said that the person won't be able to help

My branch won't cooperate

 

[Anindya98]

My branch won't cooperate

Try via another branch