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Why People are moving to Regalia RuPay

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pgarg24

pgarg24

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Hi Guys, I see a lot of people moving from Visa to Rupay for HDFC regalia..
I would assume that Visa provides better features as compared to Rupay network like lounge access, reward points, smartbuy accelerated points, Priority pass etc.. or are the benefit same for hdfc regalia rupay also?
Also, regalia is on visa signature so we would get Rupay select? Which would make it almost equal in terms of lounge.. not sure about priority pass tho, smartbuy accelerated point system.

Or is it because of credit card bill payment through rupay credit card through BHIM upi?

Edit - I saw about Rupay tying up with JCB and discover for internation spends and lounge access.. so i guess thats makes it equivalent in terms of priority pass
 
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Yes, considering you’re now able to add HDFC Rupay cards to your BHIM UPI and for UPI to accept VISA/MC is still gonna take some time. Also afaik Rupay has better lounge coverage domestically.
 
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Venky said:
Yes, considering you’re now able to add HDFC Rupay cards to your BHIM UPI and for UPI to accept VISA/MC is still gonna take some time. Also afaik Rupay has better lounge coverage domestically.
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Can you also shed some light on other things like reward points, smart buy accelerated point system and priority pass and card varient for rupay?

Edit - I saw about Rupay tying up with JCB and discover for internation spends and lounge access.. so i guess thats makes it equivalent in terms of priority pass.
 
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pgarg24 said:
Can you also shed some light on other things like reward points, smart buy accelerated point system and priority pass and card varient for rupay?
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Its all the same. I have the Mastercard variant and apart from the acceptance at certain lounges, I don’t think there’s any difference. I got the Priority pass, rewards are the same, accelerated rewards are the same on SmartBuy, I see two spend based milestones at 5 lakhs and 8 lakhs, got it LTF, got the ₹1500 Amazon Voucher. There is already a thread on Regalia being issued on Rupay platform. Search of that it’ll be much more informative.

Though International acceptance will become an issue.
 
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pgarg24 said:
Can you also shed some light on other things like reward points, smart buy accelerated point system and priority pass and card varient for rupay?

Edit - I saw about Rupay tying up with JCB and discover for internation spends and lounge access.. so i guess thats makes it equivalent in terms of priority pass.
Click to expand...
For your kind information. Rewards points, smart buy accelerated point system etc everything is provide by banks.

RuPay is just a card network same like Visa card.

Your lounge access bill is also paid by banks.

What Visa card give you ? Almost nothing or you can say only better acceptance, especially on international spend. That's it.

Note - currently, only difference is that Regalia Visa card give you Priority pass and RuPay Regalia give you International lounge access through Diners club International lounge access network.

If you ask why RuPay Regalia variant is not provide Priority pass ?

Simple answer is that - RuPay Regalia credit card is also Diners club/Discover global credit card. Card is owned by both card network.

Once RuPay will expanded to all International locations. You will see in future RuPay Regalia will also give you priority pass.

Also note - Your Priority Pass lounge access bill is also paid by HDFC Bank.

Last thing - All HDFC RuPay credit cards also give you Rewards points on UPI spend. Yes, you heard it right, you will get reward points on UPI spend and milestone benefit also count on UPI spend.

You can also pay any other banks credit card bill using your HDFC RuPay credit cards on Amazon via your HDFC RuPay credit cards link UPI and also get Rewards points.
 
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Abhishek012 said:
For your kind information. Rewards points, smart buy accelerated point system etc everything is provide by banks.

RuPay is just a card network same like Visa card.

Your lounge access bill is also paid by banks.

What Visa card give you ? Almost nothing or you can say only better acceptance, especially on international spend. That's it.

Note - currently, only difference is that Regalia Visa card give you Priority pass and RuPay Regalia give you International lounge access through Diners club International lounge access network.

If you ask why RuPay Regalia variant is not provide Priority pass ?

Simple answer is that - RuPay Regalia credit card is also Diners club/Discover global credit card. Card is owned by both card network.

Once RuPay will expanded to all International locations. You will see in future RuPay Regalia will also give you priority pass.

Also note - Your Priority Pass lounge access bill is also paid by HDFC Bank.

Last thing - All HDFC RuPay credit cards also give you Rewards points on UPI spend. Yes, you heard it right, you will get reward points on UPI spend and milestone benefit also count on UPI spend.

You can also pay any other banks credit card bill using your HDFC RuPay credit cards on Amazon via your HDFC RuPay credit cards link UPI and also get Rewards points.
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Awesome, thanks for the confirmation
 
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jack333 said:
I got approval for priority pass on rupay regalia. You can pay other credit card bill from upi linked rupay regalia through amazon.

But, the greatest benefit of rupay regalia is upi linkage and transfer to bank account upto 1 lakh free. Check out my post here

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Oops! We ran into some problems.​

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Has anybody tried International lounge Access with HDFC Regalia Rupay or Tata neu Infinity Rupay?

How was the experience while accessing and with refund?
 
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