Hi, I’m considering upgrading to the Regalia Gold card for lifetime free (LTF) status. My main online spending will be on Amazon, and I currently use the SBI Cashback card. How does Regalia Gold compare to Millennia, especially since I heard the 5x rewards apply only to select brands, not including Amazon? I want to make sure Regalia Gold is the right choice before upgrading, with my annual spending between ₹4-6 lakhs and ₹1.5 lakhs in forex transactions.
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@Madhu To maximize your Regalia Gold card, prioritize Gyftr purchases. While Millennia offers 5% back on brands like Amazon and Swiggy, Regalia Gold provides a higher 6.66% return on Gyftr brands and additional rewards on Myntra and Reliance Digital. Be aware of a new ₹50 + GST fee for cashback redemptions. Additionally, Regalia Gold increases your SmartBuy limit from ₹20,000 to ₹1.5 lakhs per month, allowing you to earn more rewards.
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@Ashiq So, to clarify, every brand gift voucher purchased via SmartBuy Gyftr will earn a 6.6% return, correct?
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@Madhu Yes, with Regalia Gold, you will earn 6.6% back on your gift vouchers. However, for optimal value, it’s advisable to redeem points for flights or hotels rather than cashback.
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@Ashiq Thank you! How does Regalia Gold compare to the Amex MRCC? When should I choose one over the other?
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@Madhu Use the Amex MRCC for purchasing Apay vouchers, as you’ll earn 1,500 points for each ₹6,000 spent. For all other purchases, I recommend HDFC Gyftr. Spending ₹20,000 monthly on the MRCC at a valuation of 0.5 paisa per point will yield a return of 6.4%. While both options offer similar return rates, I prefer HDFC rewards due to their flexibility in redeeming rewards without brand restrictions.