Check below for a comparison between HDFC Regalia credit card vs HDFC Bank Regalia First Credit Card or HDFC Bank Regalia First Credit Card vs HDFC Regalia credit card and find which is better –

Navigating the plethora of credit card options can be daunting, especially when comparing two closely related offerings like the HDFC Regalia Credit Card and the HDFC Bank Regalia First Credit Card.

Both cards hail from the prestigious HDFC stable, yet they cater to distinct financial needs and preferences.

The HDFC Regalia Credit Card is renowned for its premium benefits, including travel perks, lifestyle privileges, and exclusive rewards.

On the other hand, the HDFC Bank Regalia First Credit Card offers a tailored approach with attractive rewards on everyday expenses and a focus on essential lifestyle benefits.

This in-depth comparison will dissect the nuanced features of each card, aiding you in making an informed choice that aligns perfectly with your spending patterns and financial aspirations.

Whether you seek luxury travel benefits or practical rewards for your daily transactions, understanding the intricacies of these credit cards will guide you toward the one that suits your unique requirements.

Overview of HDFC Regalia credit card

Combining travel and lifestyle benefits via a reward points mechanism, the HDFC Bank Regalia Credit Card is a premium selection in the bank’s portfolio.

Gain a thorough understanding of the card, exploring its features, benefits, fees, and eligibility.

With an annual charge of Rs 2,500, this card greets you with a welcome bonus of 2,500 Reward Points.

Offering advantages across lifestyle, travel, and dining, the card solidifies its position as one of HDFC’s premier credit cards.

Upholding its commitment to luxury and travel perks, the HDFC Regalia Card provides complimentary Airport Lounge Access within India and internationally.

For every Rs. 150 spent on the card, you earn 4 Reward Points, redeemable across various categories with a value of up to Re. 0.5 per point. Remarkably, the card features a low foreign currency markup, making it a preferred choice for international transactions.

Additionally, the card comes with commendable dining benefits and 24X7 Concierge services.

Overview of HDFC Bank Regalia First Credit card

HDFC’s Regalia Credit Card lineup remains highly sought-after, with the Regalia First Credit Card standing out as a premier option, delivering an array of travel perks and lifestyle privileges.

Users benefit from Reward Points accrued on every transaction, spanning retail purchases, utility bill payments, and rent settlements.

The credit card extends further advantages through the enticing Good Food Trail Program, offering appealing dining benefits.

With renewal and milestone perks, cardholders can earn up to 8,500 bonus reward points annually.

Moreover, surpassing Rs. 1 lakh in card spending during a card anniversary year makes one eligible for an annual fee waiver.

HDFC Regalia Credit Card vs HDFC Bank Regalia First Credit Card

Features/Charges	HDFC Regalia credit card	HDFC Bank Regalia First Credit Card
Joining Fees	Rs. 2500 + Taxes	Rs. 1000 + Taxes
Annual Fees	Rs. 2500 + Taxes	Rs. 1000 + Taxes
Welcome Benefits	We’re excited to welcome you with 2,500 bonus Reward Points.	Secure 1000 reward points when you make the initial payment for joining.
Cashback / Rewards point	Acquire 4 Reward Points on a purchase of Rs. 150.	Earning 4 reward points is possible with every expenditure of Rs. 150 made through the utilization of this card.
Dining benefits	Embrace the exclusive dine-out passport membership, securing a supplementary 5% discount and early access to a variety of festivals and events scheduled at designated hotels.	Avail dining discounts at premium restaurants in key cities by participating in the Good Food Trail dining program with the use of this card.
Travel benefits	Receive complimentary admission to both Domestic and International Lounges, along with the advantage of inclusive Travel Insurance.	N/A
Annual fees waiver	Enjoy an exemption from the annual fee by using this card for purchases totaling 3 lakhs or more.	Enjoy a waiver of the annual fee by making purchases totaling Rs. 1 lakh or above using this card.
Fuel surcharge waiver	Obtain a fuel surcharge waiver of 1% on transactions within the Rs. 400 to Rs. 5000 range.	Enjoy a 1% waiver on fuel surcharge when utilizing this card for transactions at fuel stations.