Should I go for HDFC regalia with yearly fee

[blueb]

Hi All,

I have a salary account in hdfc. I was looking for a credit card so that I could use lounge when travelling internationally in another few months.(shifting to Canada). I have no existing cards and completely new to credit cards.

I am being offered a regalia card or a diners club privilege card with yearly fees of rs.2500. It will be waived off if usage is 3L per year.Any chance to get life time free currently,should I be insisting on it? When I asked hdfc informed me that currently life time cards are not being offered.

Also,which is the better one?

Thanks

 

[NOOBY]

if lounge is your preference, then definitely Dines Privilege...

if your spends include higher number of offiline/pos transactions, then Regalia

Dines won't have much issues while using online...

you can compare Lounge list of DCP and Regalia and see which ones you would be visiting more

 

[WhoU]

You should push for LTF. Usually they give both these cards LTF to salary account holders.

 

[sujoykundu1993]

Hi All,

I have a salary account in hdfc. I was looking for a credit card so that I could use lounge when travelling internationally in another few months.(shifting to Canada). I have no existing cards and completely new to credit cards.

I am being offered a regalia card or a diners club privilege card with yearly fees of rs.2500. It will be waived off if usage is 3L per year.Any chance to get life time free currently,should I be insisting on it? When I asked hdfc informed me that currently life time cards are not being offered.

Also,which is the better one?

Thanks

At first you tell me your organization/company name? If your organization/company is listed in hdfc then hdfc will offer you lifetime free card.

 

[gupta93126]

I am getting this banner on my netbanking showing Regalia as LTF but when I proceed to apply it shows it as first year free only on spend based criteria.
Is Regalia still being offered as LTF or I am getting an old banner on netbanking.

 

[gupta93126]

At first you tell me your organization/company name? If your organization/company is listed in hdfc then hdfc will offer you lifetime free card.

Where can I check whether my organisation is listed in HDFC or not ? Thanks.

 

[shashifed]

Dines won't have much issues while using online...

These days offline also not any issue, I never once faced any problem. But tap-on doesn't work on some pos machines ... that's a bummer

 

[gupta93126]

Personal opinion:

Not only this card but general case, if any card provided as LTF to atleast 65%+ people, I won't be paying any fee no matter how good that card is, even spend waiver is achievable.

I'm not the richest person to pay annual fee for that card where everyone around me enjoying the same as Free.

It's upto you. Compared to regalia, IDFC has somewhat better lounge support, check the list based on your preferred location.

Another: People with no relationship with HDFC having those cards as LTF, you on the other hand having salary account with them. Why do you have to pay annual fee?

Based on 2021 and 2022 offers, I'll pay annual fee for only Infinia Metal and if no relationship then DCB.

Yes, there is no point of paying the fee for Regalia.

 

[Anarchronox]

Regalia has on offer wherein if one spends 90k in the first three months, the card will become LTF. You can ask if the offer still exists.