HDFC Regalia Gold vs Regalia Credit Card, the credit cards which sound so much similar, but differ from each other on several aspects.
We all would agree with the fact that in current times, living without a credit card can be challenging for us. Credit cards offer ultimate convenience and flexibility of paying anytime and anywhere, without carrying any cash!
In that scenario, HDFC cards are one of the most well recognized and prominent cards, which are famous for their amazing benefits and reward process.
Among many HDFC cards, the top two most talked about HDFC cards are the Regalia cards. Let’s draw a comparative analysis between HDFC Regalia Gold vs Regalia Credit Card.
(1) Regalia Gold vs Regalia Credit Card: Introduction
HDFC on March 23, 2023, announced the launch of their Regalia Gold Credit Cards, a new addition to their existing Regalia credit cards line. Regalia Gold credit card is a super premium credit card which has unparalleled benefits and a range of features.
White the existing Regalia credit card also provides the amazing benefits and perks to its users, however, with the Regalia Gold credit card, the features and benefits will get upgraded and the user will get to enjoy more benefits and premium experience.
(2) Regalia Gold vs Regalia Credit Card: Comparison
The comparative analysis between the two will encompass several factors like the fee structure, rewards comparison, welcome benefits, travel benefits, and more like that. Both the cards have same joining as well as annual fee, however criteria for renewal fee differs.
(2.1) Fee Structure Comparison
In the fee comparison of Regalia Gold vs Regalia credit card, one thing common is that both the cards charge the same amount as their joining as well as annual fee. However, the welcome benefit and renewal fee criteria differs a lot.
| Factor | Regalia Gold Credit Card | Regalia Credit Card |
| Joining fee | Rs.2,500+GST | Rs.2,500+GST |
| Annual fee | Rs.2,500+GST | Rs.2,500+GST |
| Renewal fee benefit | None | 2500 reward points if the renewal fee is paid, |
| Welcome bonus | Rs.2,500 as the gift voucher if the fee is paid. | 2500 reward points if the fee is paid. |
| Welcome membership | Get a complimentary Club Vistara Silver Tier MakeMyTrip Black Elite membership. | None |
| Annual fee waiver (turned down) | Fee will be waived off if the annual spend is Rs.4 lakh annually. | If the annual spend is Rs.3 lakh, the fee will be waived off or canceled. |
One of the interesting benefits of the Regalia Gold credit card is that you’ll be getting a Club Vistara Silver Tier MakeMyTrip Black Elite membership at the time of purchasing the card. Whereas, looking at the renewal fee factor, Regalia credit cards offer 2500 rewards points if the fee is paid off, while Regalia Gold credit card does not offer such service.
(2.2) Rewards Structure Comparison
In Regalia Gold credit cards the user receives special benefits on reaching quarterly milestones, while in Regalia credit cards has a different reward structure on reaching some spending milestones. The basic reward rate is the same in both the credit cards, however, in Regalia Gold credit cards, the user will get access to 5X partners.
Let’s see in detail!
| Factors | Regalia Gold Credit Card | Regalia Credit Card |
| Simple rewards | Get upto 4 reward points on every Rs.150 spent. | Here too, the user will enjoy 4 reward points after spending Rs.150 everytime. |
| Quarterly milestone perks | Enjoy Rs.1,500 as the gift voucher on spending Rs.1.5 lakh. For using the gift voucher, the options are Marks & Spencer, Myntra, Reliance Digital or Marriott. | None |
| Annual milestone perks | Get a gift voucher worth Rs.5,000 each on spending Rs.5 lakh and Rs.7.5 lakh. | Enjoy 10,000 reward points on spending Rs.5 lakh in the membership year and get 5,000 reward points on spending Rs.8 lakhs. |
| Spending at 5X partners | Enjoy 20 reward points on each Rs.150 spent. | Nil |
Regalia Gold offers its users the access to 5X partners, which helps them to earn 20 reward points on spending Rs.150 every time. However, Regalia credit cards do not offer such services.
Another important fact between Regalia Gold vs Regalia credit card is that on reaching some spending milestones, Regalia Gold credit cards offer an extra return of 2.1% that too at a lesser spend of Rs 7.5 Lakhs in a membership year.
While on the other hand, on reaching spending milestones in Regalia’s credit cards, it only adds up to an extra bonus return of just 0.94% on the spends.
(2.3) Travel & Airport Lounges Benefits
| Factors | Regalia Gold Credit Cards | Regalia Credit Cards |
| Travel benefits | Offers accidental air death insurance cover of Rs.1 crore, however the overseas hospitalization expenses costs Rs.15 lakhs. | Provide air accident insurance cover of s.1 crore. |
| Reward points can be transferred into new partners like LifeMiles, Aeroplan, etc. | It allows transfer only to older partners like the Intermiles, Club Vistara, and Singapore Airlines (Krisflyer). | |
| Airport lounge benefits | This credit card offers access to 12 complimentary domestic and 6 complimentary international lounges in a calendar year. | It offers access to 8 complimentary domestic and 6 complimentary international lounges in a calendar year. |
Both the cards provide air accident insurance cover of upto Rs.1 crores, while in Regalia Gold credit cards, the reward points get transferred into new partners. On the other hand in Regalia credit cards, the reward points only get transferred to older partners only.
(2.4) Regalia Gold vs Regalia Credit Card: Comparative Analysis
| Factors | Regalia Gold Credit Card | Regalia Credit Card |
| Higher rewards | The Regalia Gold credit card comes with higher rewards benefits and criteria than other Regalia cards. | The Regalia credit cards too offer rewards and other benefits but are less as compared to Regalia Gold credit cards. |
| Eligibility criteria | As the card is a super premium card, it requires higher eligibility, which includes factors like higher income, good credit score, etc. | Here, it does not require a much higher income, however it has different requirements for availing the card. |
| Benefits | As a more premium card than Regalia credit card, it offers higher benefits like better travel and lounge benefits, concierge services, and more. | Has various benefits associated with it, but has less as compared to Regalia Gold credit card. |
| Services | It offers enhanced services and features like contactless payments, better EMI options, foreign currency markup of only 2%, and a lot more like that. | This one offers services and features like zero card liability, smart EMI and app options, etc. |
| Experience | With this card, you get enhanced privileges like Priority Pass, access to luxury hotels, reward point redeeming, priority entry, and lot a more like that. | Regalia credit card too offers great experience like airport services, concierge services, Zomato membership, and more of it. |
The above table reflects the basic benefit comparison between Regalia Gold vs Regalia credit card, from which we can state that both the cards have their best services to offer to their customers.
Regalia Gold credit card, being the premium exclusive credit card offers its users the high reward services and benefits. Whereas on the other hand, Regalia credit card too offers its users the unique benefits of its card.
The Regalia Gold credit card is best for the people who spend more and love value and luxury.
(3) Summing Up: HDFC Regalia Gold vs Regalia Credit Card
As we reach the final step of our discussion of HDFC Regalia Gold vs Regalia credit card, we saw that the credit cards being having the same joining fee and annual fee, differs from each other on several aspects.
Both the cards have their set of benefits and features to offer. Regalia Gold credit which offers higher rewards on reaching quarterly spending milestones and offers access to 5X partners like Marks & Spencer, Nykaa, Myntra, and Reliance Digital.
Whereas, Regalia credit card offers its users with the higher rewards of 2500 reward points if the renewal fee is paid.
Note: Want to know about the travel credit cards which provides high rewards on travel expenses? To know about it in detail visit our article, Best Credit Cards for Travel Rewards.
Choosing between the ultimately rolls down to your credit card using preference, income, budget, lifestyle, and your spending patterns!
