Upgrade From Hdfc Regalia To Hdfc Regalia Gold Benefits You Dont Want To Miss

Nowadays, many HDFC bank card holders are getting offers to upgrade their HDFC Regalia Credit Card to HDFC Regalia Gold. Let us now compare both the cards in terms of fees and charges, welcome benefits, travel, insurance benefits, milestone benefits, rewards earning rate, rewards redemption rate, etc. 

HDFC Regalia vs. Regalia Gold: Which's Best?

• Fees and Charges

• Welcome Benefits 

• Travel 

• Insurance Benefits

Regalia

• Offers accidental air death insurance cover up to Rs. 1 crore and overseas hospitalization coverage of value Rs. 15 lakhs

Regalia Gold

• Offers accidental air death insurance coverage with an upper cap of Rs. 1 crore and overseas hospitalization cover of value Rs. 15 lakhs

• Milestone Benefits

Regalia

• Regalia offers a bonus of 10,000 reward points on spends of Rs. 5 lakhs in the anniversary year
• It offers an additional 5000 reward points on spends of Rs. 8 Lakhs or exceeding that in the previous year.

Regalia Gold

• Offers Rs. 1500 worth of gift vouchers from Marriott, M&S, Myntra,  and Reliance Digital on spends of Rs. 1.5 Lakhs or exceeding that every quarter. 
• 5,000 worth of flight vouchers on spends or Rs. 5 lakhs  annually
• Additionally, you will be offered vouchers worth Rs. 5000 on spends of Rs. 7.5 lakhs or more yearly.

• Reward Earning Rate

Regalia

• 4 reward points per Rs. 150 spent

Regalia Gold

• 4 reward points per Rs. 150 spent including spends on education, utilities, and insurance. 
• You will get accelerated reward points  of 20 per Rs. 150 spent at partner brands like Nykaa, Myntra, Reliance Digital, and more.

• Reward Points Redemption

Regalia 

Reward points can be redeemed at 

• Smartbuy – Rs. 0.5
• Airmiles – 0.5 Airmiles
• Rewards Catalog – Rs. 0.2 to Rs. 0.35
• Cashback – Rs. 0.2

Regalia Gold

Reward points can be redeemed at 

• Smartbuy – Rs. 0.5
• Airmiles – 0.5 Airmiles
• Rewards Catalog – Rs. 0.2 to Rs. 0.35
• Cashback – Rs. 0.2
• Redeem your points @ 0.65 Re/pt for Apple, Samsung, and other products due to access to the Exclusive Gold Catalog.
• Further, enables the transfer of reward points to partners like Aeroplan, LifeMiles, Accor

Reasons for  Upgrading From HDFC Regalia to HDFC Regalia Gold 

1. Regalia Gold gives you access to the exclusive Gold Catalog with which you can redeem rewards for Apple and Samsung products . It also gives you access to new reward points with partners like Aeroplan, LifeMiles, Accor, etc.
2. Regalia Gold Credit Card gives you 12 complimentary domestic lounge access annually while Regalia offers only 8 lounge access. 
3. With Regalia, you have to spend Rs. 1 lakh each quarter to get domestic lounge access. Whereas, with Regalia Gold credit card, there is no such condition. 
4. Regalia Gold offers better milestone benefits
5. Although the reward rate on both the cards is the same, Regalia Gold offers you 5x reward points on partner brands like Myntra, Nykaa, Reliance Digital, etc.

Conclusion

Even though both the Regalia and Regalia Gold credit cards have their own unique benefits the joining fee on both is the same, Regalia Gold scores extra. In areas such as milestone benefits, reward points, reward points redemption, and complimentary lounge access, the card certainly has more to offer than Regalia. So, quickly upgrade to the Regalia Gold Credit Card and reap the benefits.