The HDFC Regalia Credit Card and the HDFC Regalia First Credit Card are both premium credit cards from HDFC Bank that offer a host of benefits to high-spending customers. But which one is the right card for you?
Here is a comparison of the two cards to help you decide:
HDFC Regalia Credit Card
- Annual fee: Rs. 2,500
- Reward points: Earn 4 reward points for every Rs. 150 spent on retail, dining, and entertainment.
- Welcome bonus: Get 10,000 reward points on spending Rs. 3 lakhs in the first 3 months.
- Other benefits: Complimentary airport lounge access, travel insurance, dining discounts, and more.
HDFC Regalia First Credit Card
- Annual fee: Rs. 1,000
- Reward points: Earn 3 reward points for every Rs. 150 spent on retail, dining, and entertainment.
- Welcome bonus: Get 5,000 reward points on spending Rs. 1 lakh in the first 3 months.
- Other benefits: Complimentary airport lounge access, travel insurance, dining discounts, and more.
As you can see, the main difference between the two cards is the annual fee. The HDFC Regalia Credit Card has a higher annual fee, but it also offers a higher reward points rate and more welcome bonus points.
So, which card is the right one for you? If you are a high-spending customer who is looking for a card with the most benefits, then the HDFC Regalia Credit Card is the better option. However, if you are looking for a card with a lower annual fee, then the HDFC Regalia First Credit Card is a good choice.
Ultimately, the best way to decide which card is right for you is to compare your spending habits and needs to the benefits of each card. Then, you can choose the card that offers the best value for you.
Here is a table that summarizes the key differences between the two cards:
| Feature | HDFC Regalia Credit Card | HDFC Regalia First Credit Card |
|---|---|---|
| Annual fee | Rs. 2,500 | Rs. 1,000 |
| Reward points | 4 points per Rs. 150 | 3 points per Rs. 150 |
| Welcome bonus | 10,000 points on Rs. 3 lakhs | 5,000 points on Rs. 1 lakh |
| Other benefits | Complimentary airport lounge access, travel insurance, dining discounts, and more | Complimentary airport lounge access, travel insurance, dining discounts, and more |
I hope this helps!
