Difference Between Regalia And Regalia Gold Credit Card 

Getting a new credit card can be challenging. The reason is that there are too many options. From cards that offer special discounts on travel to premium credit cards that operate abroad. The possibilities are simply too many. But here, we will not be looking at all of them. 

 Here, we will specifically look at two HDFC credit cards: Regalia and Regalia Gold. Here, we will assess the key differences between Regalia and Regalia Gold so you have a clear sense of what each card offers. 

We will go over pointers such as milestones, perks, rewards, and redemption. Therefore, let us dive right in and look at the key difference between Regalia and Regalia Gold Credit cards.

Overview Of the Regalia Credit Card 

Before we dive deep into understanding the difference between Regalia and Regalia Gold credit cards, we need to understand these cards individually. For example, what they offer and how they function, etc.

Regalia Credit card has been one of the premium and most prized products in HDFC’s credit card lineup. It has been with the brand almost as long as the brand itself. Therefore, it has a cult following.

The card can be availed for just ₹2,500 + GST. However, if you spent around ₹3 lakh in the previous year, you could get your renewal fees waived. The card is also great for international travel, as it is accepted at eight domestic and six international airports.

However, it does have a cap on airport usage of up upto 1 lakh rupees. Therefore, ther is more to it than what meets the eye.

Overview Of The Regalia Gold Credit Card 

On the other end, we have Regalia Gold. Gold is comparatively newer, but it is marketed as a bigger and better version of the Regalia card. The fees for Regalia Gold are the same as the standard card.

In other words, the joining fees are still ₹2,500 + GST; however, the credit cap is now set at ₹4 lakh annually. The welcome gifts are also different. Users can access the MMT Black Elite membership, along with the Vistara Silver Tier.

Even though the base rewards for the cards are similar, individuals can get specialized discounts at brands such as Marks & Spencer, Nykaa, Myntra, and Reliance Digital. Lounge access is also robust, with twelve domestic and six international airports.

Comparison Between The Cards 

To understand the difference between these two cards, we need to look at three key aspects: fees, base rewards, and the welcome benefits. We did make a passing mention in the previous section.

However, these are important and need a detailed understanding and clarity. Therefore, let us take a comparative look at these three things and see how these cards pan out in the long run.

Fees 

Both of these cards have a similar joining fee of around ₹2,500, plus GST. Regalia standard waives the fees if you spend ₹3 lakh in a year. On the other hand, Regalia Gold requires an annual payment of ₹4 lakh. 

The extra lakh might not mean much, but it can be huge for a moderate spender. Regalia standard offers a generous rewards program with 2,500 reward points. Meanwhile, Regalia Gold skips the renewal reward altogether as its welcome benefits include a lifetime membership.

Base Rewards 

Both cards offer about four reward points per ₹150 spent. This is about 1.31% in total value. However, Regalia Gold adds another layer to the program, offering around 20 reward points per purchase of ₹150 at selected brands. 

However, there is a monthly cap of around 5,000 reward points. In short, Regalia Gold is more favorable for individuals who does shopping from platforms such as Nykaa, Myntra, and other partners.

Welcome Benefits 

Regalia offers around 2,500 reward points on joining. Furthermore, it also provides 2,500 reward points on renewal. Along with that, the card also offers around 10,000 reward points on spending close to 5 lakhs and 5,000 reward points on spending around eight lakhs annually. 

However, Regalia Gold offers around ₹2,500 in gift vouchers upon joining. However, quarterly vouchers worth ₹1,500 for spending of ₹1.5 lakh. Subsequently, users can access around ₹5,000 in flight vouchers for spends of ₹5 lakh, and another ₹5,000 for spends of ₹7.5 lakh. 

Who Should Choose Which? 

Both the Gold and Standard Regalia cards are great. Then again, both of them serve a specific purpose, and understanding them will come in handy. We cannot choose for you, but you could make the decision-making process easier by helping you ask the right kind of questions:

• Do I spend ₹4 lakh or more annually? 

• Do I shop at Myntra, Nykaa, and Reliance Digital? 

• Do I travel often and want lounge access without conditions? 

• Do I value premium redemption options? 

• Will I meet the milestone spend requirements to unlock vouchers? 

If most of these answers are yes, then you must go for Regalia Gold and not the standard, as that will help you get better deals.

Overview Of the Difference Between Regalia And Regalia Gold Credit Card 

We have been thorough and covered all the necessary points. Still, we believe that a brisk chart highlighting the fundamental difference between Regalia and Regalia Gold credit cards will come in handy: 

Are They Even Worth It? 

The difference between Regalia and Regalia Gold credit cards is fundamentally ingrained in their reward and tariff systems. Both of these cards operate under a similar structure, but they differ in some respects. 

Moreover, both of these cards are from the HDFC family. Hence, they are trusted and do have an established user base. Therefore, they are certainly worth it and safe to use.

FAQ 

We have covered almost all the important points, highlighting the key difference between Regalia and Regalia Gold Credit Card. Still, some questions need answering.

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