HDFC Regalia Credit Card vs HDFC Regalia First Credit Card

HDFC regalia credit card is quite accessible and widely liked in India. However, making a differentiation between HDFC Regalia vs Regalia first credit card is always challenging. If you want a regalia card, you will be provided with a specific membership, and it also offers various kinds of rewards on everyday expenses. HDFC regalia is also famous for the multiple exciting benefits it provides to its customers. HDFC regalia’s benefits include boarding expenses, national and international airport lounges, everyday services, etc. And on the same note, the Regalia First Credit Card is a lite version of HDFC regalia.

However, it has many features similar to the HDFC regalia but is much cheaper than HDFC regalia and provides fewer rewards on the expenses. Here we are to remove all your confusion about HDFC Regalia Credit Card vs HDFC Regalia First Credit Card and briefly describe which one is better.

What is an HDFC Regalia Credit card?

The HDFC bank issued the HDFC Regalia credit card. It is one of the top offerings under the mid-range segment of Indian credit cards. You need to pay Rs.2500 as the membership fee. However, it offers the cardholder various fantastic reward points and additional benefits.

The monetary value of cash points under the Regalia First credit card

Product Catalog	Rs. 0.35
Flights or hotels on smart buy	Rs. 0.50
Cashback	Rs. 0.20
Airmiles	0.50 Airmiles

What is HDFC Regalia’s First Credit Card?

HDFC Regalia’s first credit card is another version of the original Regalia card. It charges a Rs. 1000 membership fee yearly. It offers almost the same as the regalia card, but the redemption varies.

The monetary value of cash points under HDFC Regalia’s first credit card

Product Catalog	Rs. 0.25
Flights or hotels on smart buy	Rs. 0.30
Cashback	Rs. 0.15
Airmiles	0.30 Airmiles

HDFC Regalia vs Regalia First Credit Card

Here we have discussed the difference between the HDFC Regalia vs Regalia First Credit Card.

Based on Name	HDFC Regalia Credit Card	HDFC Regalia First Credit Card
Based on the Reward Point	On the spending made of 150 INR, you will be provided with 4 points.	On the spending made of 150 INR, you will be provided with 4 points.
Reward Redemption	On one reward point of 0.5 INR, you will be offered redemption in flights and hotel booking. On one reward point of 0.35 INR, you will be provided redemption on the various casual expenses, vouchers, etc. On one reward point of 0.20 INR, you will be rewarded with redemption against the reduction in some of your bank balance. With one reward point of 0.5 INR, you will receive various services from different airline programs.	On one reward point of 0.3 INR, you will be offered redemption in flights and hotel bookings. On one reward point of 0.25 INR, you will be provided redemption on the various casual expenses, vouchers, etc. On one reward point of 0.15 INR, you will be rewarded with redemption against the reduction in some of your bank balance. With one reward point of 0.3 INR, you will receive various services from different airline programs.
Based on Welcome Benefits	Once you join this card, you will be given 2500 reward points, and the card member will be renewed yearly.	Once you join this card, you will be provided with a membership of 1000 reward points and the membership of card membership every year.
Milestone Benefits	If you spend more than five lakhs on the anniversary year of your card, you will be provided with 1000 reward points, and an additional bonus of 5000 reward points is also given if you spend more than eight lakhs in the anniversary year.	If you spend more than three lakhs in an anniversary year, you will be rewarded with reward points of 5000. However, you can also get a bonus of 2500 reward points for spending the 0
Based on the Membership Fee	If you spend more than three lakhs through your card, 2500 p.a. INR will be waived from your annual spending.	If you spend more than one lakh through your card, then 1000 p.a. INR will be waived from your annual spending.
Eligibility	The eligibility for this card carries that the holder must be age minimum of 21 years, and it is necessary to be a stable self-employed or salaried worker. However, another requirement is that the holder marn 70,000 per month or 8,40,000 p.a. to hold this card.	The eligibility for this card is that the holder is a minimum age of 21 years and should have a monthly income of 30,000 INR.

Comparison of Both Credit Cards

According to the details in HDFC Regalia Credit Card vs HDFC Regalia First Credit Card, we tell you the HDFC Bank Regalia credit card is much and reliable card as it provides a vast range of offers and privileges to its customers who are not available in Regalia First credit card.
We all wanted to get a card that carries a good annual membership however, the HDFC regalia credit card provides a maximum amount of membership of 2500 INR in comparison to the regalia first credit card which pays the membership of 1000 INR.
Both cards have pros and cons, but the HDFC Regalia credit card offers more benefits than the Regalia first credit card. Even the redemption rate of HDFC regalia is higher than the regalia’s first credit card.
So clearly in the fight of HDFC Regalia Credit Card vs HDFC Regalia First Credit Card, HDFC Regalia is the winner.

Conclusion

HDFC provides its best services to all its customers. However, HDFC regalia cards are themed-range credit cards launched to meet high financial needs and provide various benefits to the holders. However, in the article above, we have provided information about HDFC Regalia Credit Card vs HDFC Regalia First Credit Card and which one is the better credit card. You can choose one of HDFC Regalia vs Regalia’s first credit cards and enjoy various offers and benefits from HDFC.

HDFC Regalia Credit Cars vs HDFC Regalia First Credit Card – FAQs

In which of the cards among HDFC Regalia Credit Card vs HDFC Regalia First Credit Card do we get the best reward points?

Ans. If we specifically talk about earning the reward points, both the cards HDFC Regalia Credit Card vs HDFC Regalia First Credit Card offer the same benefits. When you spend 150 INR, you get 4 points.

What are the airport lounge benefits of the HDFC regalia card?

Ans. The airport lounge access of HDFC Regalia Credit Card works all over India. It also offers you 8 complimentary trips annually along with lounge benefits. However, it also allows you an international trip for 3 people.

Explain HDFC Regalia Credit Card vs HDFC Regalia First Credit Card based on welcome benefits.

Ans. For the welcome benefits of HDFC Regalia Credit Card vs HDFC Regalia First Credit Card, regalia offers you 2500 reward points but Regalia First offers 1000 reward points.

What is the value of 1 point of an HDFC Regalia Credit card?

Ans. The value of 1 point of HDFC regalia credit card is Rs. 0.35. However, it varies as per the type of benefit you are availing of using the card.

Do we get an HDFC Regalia Credit Card for free?

Ans. No, the HDFC regalia card is not free of cost. If you wish to get one for yourself, you need to pay a good amount of Rs. 25000 to the bank for a one-time joining.

HDFC Regalia Credit Card vs HDFC Regalia First Credit Card: Know the Difference