Regalia and Infinia credit cards are two of the most popular credit cards from HDFC Bank. Infinia is above the Regalia when it comes to rewards, benefits, and eligibility. So, most Infinia members would have held a Regalia at some point in their credit card journey. If you hold a Regalia and are looking or eligible for an upgrade to Infinia, then this article is for you. In this post, we compare HDFC Bank Regalia vs Infinia credit card. This post will include all aspects like fees, rewards, and redemption options. Read on to decide which is the right credit card for you when it comes to Regalia vs Infinia.
Fees and Charges
|Joining Fee||Rs 2500/LTF||Rs 12500/FYF|
|Welcome Benefit||2500 RP if the joining fee is paid||1-year Complimentary Club Marriott membership|
12500 RP if the joining fee is paid
|Annual Fee||Rs 2500/LTF||Rs 12500|
|Annual Fee Waiver||Rs 3 Lakhs spend||Rs 10 Lakhs spend|
|Renewal Benefit||2500 RP if the renewal fee is paid||12500 RP if the renewal fee is paid|
Though the product page for Regalia mentions a joining/renewal fee, it is issued Lifetime Free in most cases. The conditions to make it LTF are either a one-time 90 days spend condition or Smartpay biller registration.
Both Infinia and Regalia are reward point credit cards. This makes it easy to compare both to see which is more rewarding.
|Base Rewards||4 RP/Rs 150||5 RP/Rs 150|
|A. Bonus 10000 RP on Rs 5 Lakhs spends|
B. Additional 5000 RP on Rs 8 lakhs spends
|Return on spends||1.3% without milestone rewards|
2.2% with milestone reward points
While both Regalia and Infinia earn reward points, what makes the major difference is the value of 1 RP. If we redeem RP for flights, 1 RP = 50 paise for Regalia and 1 RP = Rs 1 for Infinia. Reward Redemption is assumed to be for Smartbuy Flights in the case of both Infinia and Regalia to calculate the reward rate in the above table.
HDFC Bank Smartbuy rewards tilt the scale in favor of Infinia. Infinia has a higher earn rate and bonus RP cap on Smartbuy.
- Infinia gets up to 15000 bonus RP per month. The daily cap is 7500 RP.
- Regalia gets up to 4000 bonus RP per month. The daily cap is 2000 RP.
|Category||Rewards on Regalia and Infinia||Return on Regalia||Return for Infinia|
Reward Redemption is assumed to be for Smartbuy Flights in the case of both Infinia and Regalia to calculate the reward rate in the above table.
|Redemption Option||Regalia (Value of 1 RP)||Infinia (Value of 1 RP)|
|Smartbuy (Flights/Hotels)||50 paise||Rs 1|
|Tanishq Vouchers/Apple Products||35 paise||Rs 1|
|Airmiles – Intermiles, Singapore Airlines (Krisflyer), Club Vistara||0.5 AirMile||1 AirMile|
|Rewards Catalogue (Including Vouchers)||Up to 35 paise||20 paise to 50 paise|
|Cashback||20 paise||30 paise|
Airport Lounge Access
|Lounge Access||12 complimentary lounge access within India every year|
6 complimentary lounge access outside India every year
|Unlimited lounge access in and outside India.|
Priority Pass lounge access is free even within India.
Verdict: Which card is better – Regalia vs Infinia?
If you have higher spending in the range of more than Rs 5 Lakhs, Infinia is a natural choice. We get 12500 RP in exchange for the annual fee, so we do not need to spend Rs 10 Lakhs to get the fee waiver. The effective payment in such cases is Rs 2250 for the GST component. For spending close to 10 Lakhs, getting the Infinia is a no-brainer. 🙂
If you like to travel, Infinia comes with unlimited complimentary airport lounge access both within and outside India. This can also be extended to add-on card members with their individual Priority Pass.