HDFC Regalia vs Regalia First - Major Difference

HDFC has its name built among the top when it comes to financial services and Credit Card Series. HDFC Regalia Credit Card offers premium benefits and hence has always been everyone's favorite. It also offers the advantage of a higher credit limit. However, Getting HDFC Regalia was not feasible for everyone due to its high eligibility standards and annual fees. To remove this constraint, HDFC introduced an Entry-level credit card in the same category as "HDFC Regalia First", which can be suitable for slightly lower income groups as well.

Both the credit cards, even though belonging to the same category, have many differences. In this article, we will talk about some of these significant differences between HDFC Regalia Vs HDFC Regalia First:

 

Eligibility

HDFC Regalia: Monthly Income > Rs. 1,20,000

HDFC Regalia First: Monthly Income > Rs. 40,000

As we can see that HDFC Regalia First is much more feasible to people of lower-income groups due to less income cap.

 

Annual fee

HDFC Regalia: Rs. 2500/- + Applicable Charges.

HDFC Regalia First: Rs. 1000/- + Applicable Charges.

As HDFC Regalia is on a premium level, the annual fees of the same are high as well. Unlike that, HDFC Regalia First is priced a little low as it is an entry-level card.

 

Card level

HDFC Regalia: Business Level Credit Card

HDFC Regalia First: Entry Level Card

HDFC Regalia offers so many benefits that best suit the needs of a business person.

Lounge Access

HDFC Regalia: 12 Complimentary Airport Lounge Access within India and 6 outside India. 

HDFC Regalia First: 8 complimentary access per calendar year within India, 3 complimentary access outside India.

This is one of the major distinctions between HDFC Regalia and Regalia First Credit card for somebody who likes to travel more.

 

Credit Limits

HDFC Regalia: 3 lakhs +

HDFC Regalia First: 1-3 lakhs

With HDFC Regalia first, users can enjoy a high credit limit whereas users of Regalia First have the disadvantage of only up to 3 lakhs of Credit Limit.

 

Memberships

HDFC Regalia: Zomato Gold Membership, Club Vistara Membership

HDFC Regalia First: -

HDFC Regalia gives the advantages of exclusive memberships and subscriptions which is quite absent in Regalia First Credit Card

 

Reward Rate

HDFC Regalia: 1.3%

HDFC Regalia First: 0.8%

Reward rate means the value backs you will get on your credit card. For example, on spending Rs. 1 lakhs from your Regalia Credit Card you get up to Rs. 1300 value back as points. On the other hand, you only get Rs. 800 worth of value back as points on Regalia first.

 

Milestone Rewards

HDFC Regalia: Bonus 10,000 Reward Points on spending Rs. 5 lakhs in a year. And additional 5000 reward points on spending Rs. 8 lakhs.

HDFC Regalia First: Upto 7,500 Reward points on spending Rs. 6 lakhs in a year.

You get more Milestone rewards on HDFC Regalia as compared to Regalia first which means more savings with the former card.

Air Accidental death coverage

HDFC Regalia: Accidental air death cover worth Rs. 1 Crore

HDFC Regalia First: Accidental air death cover worth Rs. 50 lakhs

The accidental death coverage varies by 50% between both cards.

 

Overseas hospitalization coverage

HDFC Regalia: Up to Rs. 15 lakhs

HDFC Regalia First: Up to 10 lakhs

On Comparing HDFC Regalia vs HDFC Regalia first, we can clearly see that cardholders get more benefits with HDFC Regalia. But as mentioned earlier both the cards are directed towards different income groups and suit their distinct needs accordingly.

Additional Reading - HDFC Regalia Credit Card vs Moneyback