HDFC Regalia Credit Card vs HDFC Regalia First Credit Card: Which One to Pick?

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. 2,500Reward 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. 1,000Reward 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:

FeatureHDFC Regalia Credit CardHDFC Regalia First Credit CardAnnual feeRs. 2,500Rs. 1,000Reward points4 points per Rs. 1503 points per Rs. 150Welcome bonus10,000 points on Rs. 3 lakhs5,000 points on Rs. 1 lakhOther benefitsComplimentary airport lounge access, travel insurance, dining discounts, and moreComplimentary airport lounge access, travel insurance, dining discounts, and moredrive_spreadsheetExport to Sheets

I hope this helps!