HDFC Regalia vs Regalia First Credit Card

Looking for a credit card with traveling and lifestyle benefits. Then you must consider the HDFC Regalia and HDFC Regalia First credit cards as they both provide you with these benefits. Hereunder is the comparison between these two credit cards by HDFC that you can refer to in order to make an informed decision. There is a big difference in the membership of these credit cards while one is affordable and the other one falls under the premium credit card category. Keep reading to know which one is the right fit for you.

HDFC Bank Regalia Credit Card

This credit card is suitable for shopping and traveling. The HDFC Regalia Credit Card entitles you to amazing rewards and benefits and you will never be disappointed in applying for it. Here are the key highlights of this credit card.

Joining Fee: Rs. 2,500 plus applicable taxes

Renewal Fee: Rs. 2,500 plus applicable taxes

Spend-Based Waiver: The renewal fee will be waived off on spending Rs. 3 lakhs in the previous year.

Features and Benefits:

• On the payment of the joining fee, the credit cardholder gets welcome benefits of 2,500 bonus reward points with this credit card.
•  Earn 4 reward points on every Rs. 150 spent using this credit card.
• Enjoy exclusive dine-out passport membership and 5% off additionally and early access to several events and festivals.
• Enjoy 12 complimentary domestic airport lounge access and 6 complimentary international airport lounge access every year.
• With this credit card, you get an air accident cover worth Rs. 1 crore, an emergency overseas hospitalization cover worth up to Rs. 15 lakhs, and a credit liability cover worth up to Rs. 9 lakhs.
• Enjoy a low foreign markup fee of 2%.
• Get a 1% fuel surcharge waiver on fuel transactions worth Rs. 400 - Rs. 5,000.

 

HDFC Bank Regalia First Credit Card

This credit card is a sister card to the above credit card but with fewer features and benefits. The HDFC Regalia First Credit Card offers the same reward rate but there are differences in the traveling benefits, dining benefits, and insurance benefits. To know more about this credit card keep reading about its features and benefits.

Joining Fee: Rs. 1,000 plus applicable taxes

Renewal Fee: Rs. 1,000 plus applicable taxes

Spend-Based Waiver: The renewal fee will be waived off on spending Rs. 1 lakh in the previous year.

Features and Benefits:

• On the payment of the joining fee, the credit cardholder gets welcome benefits of 1,000 bonus reward points with this credit card.
• Earn 4 reward points on every Rs. 150 spent using this credit card.
• Enjoy exclusive offers and discounts of up to 30% at partner restaurants.
• Enjoy 8 complimentary domestic airport lounge access and 3 complimentary international airport lounge access every year.
• With this credit card, you get an air accident cover worth Rs. 50 lakhs, an emergency overseas hospitalization cover worth up to Rs. 10 lakhs and a credit liability cover worth up to Rs. 5 lakhs.
• Enjoy a low foreign markup fee of 2%.
• Get a 1% fuel surcharge waiver on fuel transactions worth Rs. 400 - Rs. 5,000.