HDFC Regalia Vs Regalia Gold
Fees and Charges:
- Annual Fee: Both cards have a fee of ₹2,500 plus taxes.
- Fee Waiver: Regalia offers a fee waiver on spending ₹3 lakh or more in the previous year. Regalia Gold requires ₹4 lakh to get a waiver.
Welcome Benefits:
- Regalia: Bonus of 2,500 reward points.
- Regalia Gold: ₹2,500 gift voucher, complimentary Club Vistara Silver Tier, and MMT Black Elite membership with ₹1 lakh spend within 90 days.
Travel Benefits:
- Regalia Gold: 12 complimentary domestic and 6 international lounge accesses.
- Regalia: Offers 8 domestic and 6 international lounges starting December 2023 on quarterly spends of ₹1 lakh.
Insurance Benefits:
- Both cards offer ₹1 Crore accidental air death insurance and ₹15 Lakhs overseas hospitalization cover.
Milestone Benefits:
- Regalia: 10,000 reward points on spending ₹5 lakhs; additional 5,000 points on spending ₹8 lakhs.
- Regalia Gold: ₹1,500 worth gift vouchers each quarter on spending ₹1.5 lakhs; ₹5,000 flight vouchers on spending ₹5 lakhs or ₹7.5 lakhs annually.
Reward Earning Rate:
- Both Cards: 4 reward points per ₹150 spent. Regalia Gold offers 20 points per ₹150 at partner brands like Nykaa, Marks & Spencer, Myntra, Reliance Digital, etc.
Reward Redemption:
- Regalia Gold: Access to the Exclusive Gold Catalog for better redemption rates (₹0.65/pt) and new transfer partners like Aeroplan, LifeMiles, Accor.
- Regalia: It has older transfer partners and less favorable redemption rates.
Why Choose Regalia Gold?
- Higher reward rates on partner brands.
- Better milestone benefits with complimentary flight vouchers.
- Exclusive Gold Catalog and new reward transfer partners.
- More domestic lounge accesses without spending conditions.