Choosing between the HDFC Regalia and HDFC Regalia Gold can be confusing. Both cards belong to HDFC Bank’s premium credit card lineup and offer travel rewards, SmartBuy benefits, airport lounge access, and milestone perks.
For years, the HDFC Regalia was the default “premium” credit card recommendation in India. But things have changed. The classic Regalia is now discontinued for new users and has quietly lost many of the benefits that originally made it popular. Meanwhile, the newer Regalia Gold has become HDFC’s main mid-premium travel card with stronger milestone rewards and far better lounge access rules.
So which one is actually better in 2026? Here is a detailed comparison of Regalia vs Regalia Gold to help you choose.
HDFC Regalia vs Regalia Gold Comparison (2026)
| Feature | HDFC Regalia | HDFC Regalia Gold |
|---|---|---|
| Card Status | Discontinued for new users | Active |
| Joining Fee | ₹2500 + GST | ₹2500 + GST |
| Annual Fee | ₹2500 + GST | ₹2500 + GST |
| Fee Waiver | ₹3 Lakhs annual spend | ₹4 Lakhs annual spend |
| Base Reward Rate | 4 RP per ₹150 | 4 RP per ₹150 |
| Base Return | ~1.33% | ~1.33% |
| Accelerated Brand Rewards | No | Yes |
| SmartBuy Rewards | Up to 10X | Up to 10X |
| Domestic Lounge Access | Spend based | Unconditional |
| International Lounge Access | 6 visits/year | 6 visits/year |
| Milestone Benefits | Average | Excellent |
| Best RP Value | ₹0.50 per RP | ₹0.65 per RP |
| Forex Markup | 2% + GST | 2% + GST |
| Best For | Existing LTF users | Travelers and high spenders |
HDFC Regalia vs Regalia Gold Fees
HDFC Bank has kept the joining and annual fee of Regalia Gold identical to the classic Regalia at ₹2500 + GST. However, the annual fee waiver requirement is now higher on Regalia Gold, increasing from ₹3 lakh to ₹4 lakh annual spends.
The bigger change is in the welcome and renewal structure. The classic HDFC Regalia focused on reward points. Users received 2500 Reward Points as both joining and renewal benefits whenever the fee was paid.
Regalia Gold takes a different approach. Instead of renewal reward points, HDFC now offers lifestyle and travel memberships such as Swiggy One and MakeMyTrip Elite benefits, along with a ₹2500 voucher as the joining benefit if the joining fee is paid. However, there is no renewal bonus on Regalia Gold if you fail to hit the annual fee waiver milestone.
| Feature | HDFC Regalia | HDFC Regalia Gold |
|---|---|---|
| Joining Fee | ₹2500 + GST | ₹2500 + GST |
| Welcome Memberships | None | Swiggy One + MMT Elite |
| Welcome Benefit | 2500 Reward Points (if fee paid) | ₹2500 Voucher (if fee paid) |
| Annual Fee | ₹2500 + GST | ₹2500 + GST |
| Annual Fee Waiver | ₹3 lakh annual spend | ₹4 lakh annual spend |
| Renewal Benefit | 2500 Reward Points | None |
HDFC Regalia vs Regalia Gold Rewards Comparison
| Spend Type | Reward Structure | Approx Value |
|---|---|---|
| Regular Retail Spends | 5 RP per ₹200 | ~1.25% reward rate |
| 5X Partner Brands | 25 RP per ₹200 | ~6.25% reward rate |
| SmartBuy Travel Bookings | Accelerated rewards | Higher value possible |
| Reward Excluded Categories | No reward points | Rent, wallet loads, EMI, govt spends |
The base reward structure is identical on both HDFC Regalia and Regalia Gold. Both cards earn 4 Reward Points for every ₹150 spent, giving an effective base reward rate of roughly 1.3%.
However, Regalia Gold adds a major advantage through accelerated rewards on partner brands. At the time of writing, HDFC offers 5X accelerated rewards on:
- Myntra
- Nykaa
- Marks & Spencer
- Reliance Digital
This increases the earning rate to 20 Reward Points per ₹150 spent, translating to an effective reward rate of around 6.7%. The accelerated reward cap is limited to 5000 bonus Reward Points per calendar month.
Regalia Gold also delivers significantly stronger milestone benefits. The classic Regalia only offers milestone bonuses of:
- 10,000 RP on ₹5 lakh annual spend
- Additional 5000 RP on ₹8 lakh annual spend
In comparison, Regalia Gold introduces both quarterly and annual milestone rewards:
- ₹1500 voucher every quarter on ₹1.5 lakh spend
- ₹5000 flight voucher on ₹5 lakh annual spend
- Additional ₹5000 flight voucher on ₹7.5 lakh annual spend
Because of this improved structure, Regalia Gold can generate an additional return of roughly 2.1% through milestone rewards alone at ₹7.5 lakh annual spending. The classic Regalia’s milestone structure adds only around 0.94% extra return in comparison.
If you are a high spender who can comfortably cross ₹5 lakh to ₹7.5 lakh yearly spends, Regalia Gold is clearly the more rewarding card overall.
HDFC Regalia vs Regalia Gold SmartBuy Rewards
Both HDFC Regalia and Regalia Gold offer identical SmartBuy reward benefits. The SmartBuy platform is where these cards become significantly more rewarding, especially for users who frequently book flights, hotels, or buy vouchers through HDFC SmartBuy.
The accelerated SmartBuy bonus rewards are capped at:
- 4000 bonus Reward Points per calendar month
- 2000 bonus Reward Points per day
These limits apply only to the bonus SmartBuy rewards and not the standard base reward points.
| Shopping Category | Reward Multiplier | Effective Reward Rate* |
|---|---|---|
| IGP.com | 10X | 13.3% |
| Flights | 5X | 6.6% |
| Hotels | 10X | 13.3% |
| IRCTC | 3X | 3.9% |
| RedBus | 5X | 6.6% |
| Instant Vouchers | 5X | 6.6% |
| Apple Imagine / Tresor | 5X | 6.6% |
| ZoomCar | 5X | 6.6% |
| Nykaa | 5X | 6.6% |
| Myntra | 5X | 6.6% |
| Jockey | 10X | 13.3% |
| MMT Holiday Packages | 5X | 6.6% |
| PharmEasy | 10X | 13.3% |
Reward rates calculated assuming 1 Reward Point = ₹0.50 redemption value on SmartBuy.
The biggest strength of both Regalia cards is the ability to convert regular spending into high-value travel rewards through SmartBuy. Categories like hotels, IGP, Jockey, and PharmEasy can generate effective returns of over 13%, which is extremely strong for a mid-premium credit card.
However, it is important to plan spends carefully around the monthly SmartBuy cap. Once the 4000 monthly bonus RP limit is exhausted, the reward rate drops back to the normal base earning structure.
HDFC Regalia vs Regalia Gold Redemption Options
Both HDFC Regalia and Regalia Gold offer the same base redemption value for flights, hotels, cashback, and standard reward catalogue redemptions. However, Regalia Gold gets a major advantage through access to the exclusive Gold Catalogue and newer airline and hotel transfer partners.
The standard redemption value on both cards remains:
- ₹0.50 per Reward Point for SmartBuy flight and hotel bookings
- ₹0.20 per Reward Point for cashback
- Up to ₹0.35 per Reward Point for vouchers and catalogue products
Regalia Gold additionally gets access to the Exclusive Gold Catalogue, where select premium products including Apple devices can offer redemption values of up to ₹0.65 per Reward Point.
Regalia Gold gets access to the newer transfer ecosystem similar to HDFC Infinia and Diners Club Black. This includes:
- Accor Live Limitless
- Air Canada Aeroplan
- Avianca LifeMiles
- British Airways Avios
- Flying Blue
- Turkish Miles&Smiles
- Marriott Bonvoy
- IHG One Rewards
HDFC Regalia vs Regalia Gold Reward Redemption Value
| Redemption Option | Value of 1 RP |
|---|---|
| SmartBuy Flights & Hotels | 50 paise |
| Airmiles Transfer | 0.5 Airmiles |
| Rewards Catalogue & Vouchers | 20 paise to 35 paise |
| Gold Catalogue (Regalia Gold Only) | 65 paise |
| Cashback | 20 paise |
For most users, the best redemption strategy on both cards remains:
- SmartBuy flight and hotel bookings
- Airmiles transfers
- Gold Catalogue redemptions on Regalia Gold
Using points for cashback gives the lowest value and significantly reduces the effective reward rate of both cards.
HDFC Regalia vs Regalia Gold Airport Lounge Access
| Type | HDFC Regalia | HDFC Regalia Gold |
|---|---|---|
| Domestic Airport Lounge Access | 8 complimentary visits/calendar year | 12 complimentary visits/calendar year |
| Domestic Lounge Access Rules | ₹1 lakh spend in previous calendar quarter required | ₹60,000 spend in previous calendar quarter required |
| Domestic Lounge Activation | Voucher must be generated via SmartBuy | Direct access |
| International Airport Lounge Access | 6 complimentary visits/calendar year | 6 complimentary visits/calendar year |
| International Lounge Access Rules | No spend criteria | No spend criteria |
| International Lounge Access Method | Priority Pass / Direct access depending on variant | Priority Pass / Direct access depending on variant |
HDFC Regalia vs Regalia Gold: Which Credit Card Is Better in 2026?
If you are confused between the HDFC Regalia and HDFC Regalia Gold credit cards, the answer in 2026 is fairly clear for most users.
While both cards belong to HDFC Bank’s premium travel credit card lineup, Regalia Gold is now the stronger overall option thanks to:
- Better milestone rewards
- Higher-value reward redemptions
- More travel benefits
- Better airport lounge access structure
- New airline and hotel transfer partners
The classic HDFC Regalia still works well for existing Lifetime Free cardholders. But for users actively spending ₹4 lakh to ₹8 lakh annually, Regalia Gold delivers much better value overall.
Final Verdict: HDFC Regalia vs Regalia Gold
If you are choosing between HDFC Regalia and Regalia Gold in 2026, Regalia Gold is the clear winner for most users.
It offers:
- Better milestone rewards
- Higher reward redemption value
- Better airline and hotel transfer partners
- More airport lounge access
- Better accelerated rewards on brands like Myntra and Nykaa
The classic HDFC Regalia still makes sense if your card is Lifetime Free or if your yearly spends are below ₹4 lakh.
But for frequent travelers and high spenders, Regalia Gold delivers significantly better value overall.
Frequently Asked Questions
Which is better: HDFC Regalia or Regalia Gold?
HDFC Regalia Gold is better for most users because it offers stronger milestone rewards, better lounge access, improved transfer partners, and higher-value reward redemptions.
Does Regalia Gold have lounge access spend criteria?
Yes. HDFC Regalia Gold now requires a minimum quarterly spend to unlock complimentary domestic airport lounge access.
What is the annual fee of HDFC Regalia Gold?
HDFC Regalia Gold has a joining and annual fee of ₹2500 + GST.
Is HDFC Regalia discontinued?
Yes. The classic HDFC Regalia card is discontinued for new users, but existing cardholders can continue using and renewing it.
Which card offers better reward redemption value?
Regalia Gold offers better redemption value through the Exclusive Gold Catalogue, where reward points can be worth up to 65 paise per point.
Hi,
I have LTF HDFC Regalia First (using since 2015) and Diners Club Privilege (got in 2023) credit cards with limit of Rs.7 lakhs
Can I get an upgrade to HDFC Infinia or Diners Club Black credit card ? If not, then what are the criteria to fulfill.
You should be able to get DCB Metal based on the limit. But, you would also need to fulfill the spend criteria. You can check by emailing customer care.
Sir,
I have a life time free Regalia Master card with a credit limit of 5.16 Lakhs. Now they r offering Regalia Gold with 2500 annual fees.
1. What should I do now.? – regalia gold is not life time free.
2. I am spending and attaining milestones but credit limit is not increased for about 6 months.
3. Which card should i request for.?
Please kindly suggest sir.
Guess you also posted it on the forum and it is addressed now 🙂
Presently I have regalia LTF and The bank has offered me regalia gold with joining fee waived and Diners privilage card (as second card) with joining fee waived. My spends are not meeting spend criteria. I am interested in free airport lounge access at both domestic & international airports. what should i do?
One more confusion, is airport lounge access using regalia gold for Add-on cards available (it has not written anything about add-on cards on website)
How many free add-on cards (max) can be applied for regalia gold?
If Regalia Gold is going to be your primary card, then go for it. Yes, you can get up to 5 add on cards and they are eligible for airport lounge access.
Presently I have regalia LTF and The bank has offered me regalia gold with joining fee waived and Diners privilage card (as second card) with joining fee waived. My spends are not meeting spend criteria. I am interested in free airport lounge access at both domestic & international airports. what should i do?
for regalia, whether at domestic and international airport lounge access both will be free if card meets spend criteria or only for domestic airport lounge access spend criteria will be applied?
One more confusion, is airport lounge access using regalia gold for Add-on cards available (it has not written anything about add-on cards on website)
How many free add-on cards (max) can be applied for regalia gold?
We can get airport lounge access even for add-on cards. We can apply up to 3 add on cards for HDFC Bank credit cards.
If you need Regalia Gold for lounge access, it is a better deal than spending 1L on Regalia to get the same.
For some reason i was offered free regalia card. I do not pay any charges per year and I don’t spend over 10-20k a year. If I upgrade to gold regalia, will I have to start paying annual fees of 2500?
Yes, the LTF offers are customer specific. Banks generally roll out offers from time to time.
@ CARD MAVEN based on your suggestions to various personnel above, I see that you have referred DCB to everyone who’s eligible for an upgrade.
On a high level, it definitely looks like a good card, but have understood that online/offline acceptance for DCB is not at par with Visa cards. If one is to upgrade his/her Visa card to DCB, wouldn’t their spending be restricted? Please throw some light on this aspect as well.
PS: I have an LTF Regalia, with an upgrade available for Regalia gold (FYF)
Limit is 5L
I’m unable to choose between these options, please recommend
Online acceptance is pretty much ok except may be a couple of places. Offline acceptability has also improved due to Rupay tie up.
DCB even with these limitations is a better card than Regalia. You can always keep another Visa/MC with you for transactions where you cannot use DCB.
Can I get Regalia Gold LTF if i meet spend criteria of 1 lakh+ in 90 days and/or getting add-on card.
These criteria are not applicable as of now.
I have hdfc regalia credit card if it upgrade into regalia gold than my rewards points convert or not
Yes, they will be.
I was offered the Diners Club Black Credit Card, but with an annual fee and no joining fee. Currently, I am holding an HDFC Regalia card with LTF, but I didn’t take the offer as it has an annual fee of 12K. After a few months, I came to know that my annual spend was 5 Lakhs for which annual charges are waived for the DCB card. But that offer has expired, and currently they are offering Regalia Gold Card as an upgrade.
One thing I guess is missed here, that Regalia card has fuel surcharge waiver. And Regalia Gold no where mentions that. Can you please confirm?
Regalia Gold does not get fuel surcharge waiver as per current T&C.
I have a regalia Ltf, now I’m getting a regalia gold LTF, is it worth the upgrade? Also the exec said that I’m more likely to get an upgrade to dcb or infinia in the future if I had the gold as opposed to plain regalia, is there any merit to this?
Yes, you should.
The reply is big NO. I am exactly in the same position as you and I called up their customer care. After wasting 30 min. on call to get someone with clarity, I found out that LTF benefit will go away if I upgrade to Gold. Honestly I dont see any positive value of Gold over Regalia. That future upgrade is a gimmick HDFC is trying to hang like a carrot and wants the LTF customers to start paying now.
I have been using a Regalia card for a couple of years and I got an upgrade for Regalia Gold which I am not interested in. I have been using HDFC Credit cards since 17 to 18 years, and my annual spend is above 5Lakhs annually, I want to upgrade to Dinner Club Black or Infinia. my current limit is 3.55 lakhs
Does Passport – Airport lounge access continue to work if we upgrade from HDFC Bank Regalia Credit Card to a New Regalia Gold Credit Card ?
You mean Priority Pass?
I have been using Regalia Card from almost 2-3 years. A couple of months ago, I got an upgrade offer to Regalia Gold which I didn’t accept as the features are same as that of Regalia. I also believed that skipping the upgrade would result in an upgrade offer for better card. But today, I got an upgrade offer not even for Regalia Gold, but for the same Regalia which I have been using? How can it be called an upgrade when they offer the same card which I have been using? What should I do now? Accept or ignore? Please advise.
My spends are more than Rs 8 lakhs in the last 5 months.
My credit limit has been Rs 8.96 lakh.
Ignore it for now. Try for Infinia once you hit 10L limit.
My credit limit is more than 10L. Still I am being only offered Regalia Gold.
Any other requirement?
You can always write to them and request for the upgrade you want.
I have 25L credit limit. I am offered Infinia. But I am not accepting it. Annual charges of 12,500+tax if spend less than 10L in an year.
Hi
I have LTF MC regalia card with credit limit of Rs. 16.5 lakhs. This is same for about more than an year now. Though I am not using this card much and now I am getting messages to upgrade to Regalia gold with Rs.2500 annual fees. What should I do?
Please manually send upgrade form to Chennai office requesting for Infinia.
I have SBI ELITE and Regalia ( 9 lakhs ) . I can request a upgrade for Regalia to DCB/Infinia .
But can you please suggest whether keeping SBI Elite is worth as it has annual charges . I am interested in airport lounges ,airmiles ,reward points .
No, you can close SBI ELITE. Instead upgrade to DCB or Infinia as eligible.
I am holding a Regalia Card almost since 8 years with LTF option and limit of of Rs.11.80 Lakh. Can I upgrade to Infinia LTF ?
Infinia is not offered LTF anymore.
I am holding Regalia Card for the past 6 to 7 Yrs and current limit is 10 lakh plus. am I eligible to Infinia variant.
Should I wait for upgrade offer or do they give on enquiry / request
Yes, you can ask them.
I have a regalia gold card with a limit of 5L, My spent for last year was around 12L. Can I get infinia card?
No, the limit requirement is higher than 5L.
Hello i have upgraded from Reglia first to regalia gold. I see the reward points has decreased by 30% the moment i upgraded. what could be the reason?
That’s right as per upgrade conditions as Regalia Gold has a better value for reward points.
Hello!
I have a Regalia with a limit of 12.15L and a good annual spend as well.
I would like to ask for an upgrade to Infinia. Would I be eligible or is it just DCB that I can ask for?
Thank you!
Ask for Infinia as you already have more than the required limit. They may ask you to meet some spend criteria to be eligible for upgrade.
Thanks! Do you know what that criteria could be?
It varies. They may or may not ask for it.
Holding HDFC LTF Card since Jan 2008. (15 years+) Used to get regular upgrades till about 2016, when I was upgraded to Regalia.
Now stuck with LTF Regalia since 2016. Current limit: 15 Lakhs. But I was never offered Infinia LTF, and essentially received no worthwhile upgrade offers since 2016.
Now, HDFC is offered me an upgrade from LTF Regalia to paid R/Gold, which obviously, I’m not accepting. However, I’m stuck with Regalia with CL of 15 Lakhs, with no “movement” in sight. Suggestions, please?
You need to email grievance and ask for a manual upgrade to Infinia. You are eligible based on your current limit. They may ask you to meet some spend criteria to be eligible for upgrade.
I have a credit limit of 3.6L on regalia card and last yr my spend was 5L+. Can I get DCB? If not, what to do?
No, DCB upgrade needs at least Rs 5 Lakh limit.
Ok.. which other card is the best for lounge access? I have yearly spends of moe than 5L.
Hi, I frequently travel out side india. But never claimed airport launch eligible for my regila card. How can I claim it. Should I request before travel .
Yes, you need to request for Priority Pass
Is there any email id where we can drop hdfc the note for credit card upgrade?
Yes, you can drop an email to the grievance redressal email id.
I have been using Regalia from last three years with 8.46 lakh limit and today got an upgrade offer to Regalia Gold from bank. Actually I am anticipating an upgrade offer to DCB or Infinia considering my spends. Should I accept this Regalia Gold and wait for further upgrade in future or can I request the bank for DCB or Infinia? What do you suggest?
With that limit, would suggest you not wait and ask for the DCB upgrade by sending an email to grievance redressal email id.
I have a HDFC regalia… also hold other cards like axis reserve, amex plat charge etc.. im offered regalia gold instead of my regalia card.
I would like to hold a Dinner Club or Infinia. Any guidance on how to go ahead..??
If you have 5L limit on existing HDFC Bank credit card, you can email grievance redressal and ask for DCB.
I have Regalia as Lifetime free. If I upgrade I think I will lose that offer. Do you think it’s still worth it?
No, hold on to Regalia if Gold is not offered LTF.
I have lifetime free regalia and bank is offering Signature regalia card..is it worthy to upgrade
No, skip for now
Hi Presently I am using HDFC Regalia master card with 9L limit. And I have bank offer to upgrade to Regalia gold. Should I go for upgrade? Or is there any better alternative? My annual spend is 10L +
Yes, you can request for DCB/Infinia by sending an email to grievance redressal email id. Getting DCB should be fairly easy with that limit. But ask for Infinia as the first option.
I have Regalia card with 6.6L limit. Bank has sent me sms to upgrade to Regalia Gold. What’s the process to upgrade to Diners and how to contact them?
Yes, you can request for DCB by sending an email to grievance redressal email id. Getting DCB should be fairly easy with that limit.
I sent out grievance email, but they rejected my application post submission of income documents.
What to do now?
Shall I look for any other cards? If yes, then which one you would recommend?
They don’t ask for income docs when we need to upgrade based on limit. Can you ask them to upgrade based on your existing limit?
I did raise it again to upgrade based on limit, they rejected again though.
Any other card recommendation? More from travel perpesctive to access lounge and good reward points for flight booking.
Current Regalia has been badly downgraded atleast in terms of lounge access list
Axis Magnus!
Regalia Gold has a greater spend of 4 lakhs instead of 3 lakhs for Annual Fee Waiver compared to Regalia.
Which is on higher side.
I have been using Regalia for the last 7 years, and now the monthly limit has been increased to 10L. My annual spends are also around 10L. Now, I am being offered an upgrade to Regalia Gold. But what I really want is an upgrade to Infinia. Any ideas on how I can go about that?
Email grievance and request for it
Is there a better alternative to Regalia in other banks like Axis, ICICI, etc?
Yes if it is Airmiles you are looking for, then Magnus.
Hi,
What would be better for me – Hdfc regalia or hdfc diners Club privilege credit card, given I am eligible for both.
My main requirement is great lounge access program especially domestic lounge access in India.
Please provide your view
Diners Club Privilege
Okay diner club privilege is better than regalia gold as well?
In terms of domestic lounge access
Yes
Thank You so much for helping me
Hey
Is airport longue access is carry forwarded or not? can we use all Longue access at one time in one calendar year? is this applicable to add on member in Regalia card holders? Didn’t used this facility from 2013. So please advice.
No, it is not carried forward. It is based only on calendar year.
Hey team,
I am having a Regalia with Rs 10L limit with expiry 2024. So which one is the next upgrade? i reached milestone target amount in every milestone period. So whats your suggestion? DCB or Stick on with same Regalia? i have no airmail and travel usages. So please assist.
If you don’t have travel redemptions, look at cashback credit cards like SBI Cashback and Millennia. They will give you a better return.
Hi I have a lifetime free regalia credit card with 4.47 lakhs credit limit, I have an offer for upgrade to regalia gold but with charges. What should I do? Also when will I be eligible for diners black- and should I wait for it
DCB needs a minimum limit of 5L on existing HDFC Bank credit card. At this point, don’t go for an upgrade to Regalia Gold unless it is given as LTF like your existing Regalia credit card.
Thanks for the advise, had asked for regalia gold lifetime free – the customer care said that I will not get LTF – but only first year fee waiver.
They even said my amount of 3 lakhs spent till now in this calendar year won’t be carried forward to regalia gold either – i.e I would have to reach spend milestone of 4 lakhs again from start.
I have HDFC regalia and I want to upgrade to Regalia Gold or Infinia, what is the approach? I also want my current limit enhanced
You can send an email to grievance email id.
I am having a Business Regalia with Rs 8L limit. Is it advisable to apply for Regalia Gold which is a retail card
Yes, but with 8L why not upgrade to DCB?
Also i am not able to apply for diners black heard hdfc does not issue that anymore.is that true?
DCB is still being issued. There is no such update.
Is it really worth it to try for regalia gold or should we wait to have an increased limit ( my current limit is 4 lakhs+) and apply for diners black? Also since I have a regalia lifetime free – would I get a regalia gold lifetime free too?
You can wait for 5L limit and upgrade to DCB. No, Regalia Gold will not be LTF unless HDFC Bank offers you the same.
base rewards rate u have mentioned as 1.3% wrong. i think u have miscalculated 4 rp per 150 as 4rp per 100. assuming 35 paise per reward point 0.93% is base return rate..
accordingly u have change everywhere in the post…
Each reward point is equivalent to 50 paise when redeemed for flights. So Rs 2 return on Rs 150 which comes to 1.3%.
What’s the best credit card for someone like me who spends close to ₹15 lakhs/annum? I am also looking for rental payments to be included in annual spends, I have 70k monthly rental spends cumulatively. I travel, dine out regularly or order in. Currently I only have Amazon ICICI card with a CL of 6lakhs. Please suggest an excellent card options considering my requirements. Do let me know if you need any more information or if I can drop an email to you. Thank you so much!
Hi Nikhil. Please post on https://cardmaven.in/social/t/suggest-me-a-credit-card.
I have HDFC Regalia Visa signature variant with 8L limit. Which card should I upgrade it to?
You can try for Diners Club Black
The regalia that I have is a Visa Signature variant. What about the regalia gold? I see the mastercard logo everywhere. Will we be missing out on the visa signature benefits?
Yes, Regalia Gold is on Mastercard at the moment.
I don’t think we have 5x rewards from Amazon thru smartbuy anymore.
Can you please recheck and confirm
Thanks! Updated and removed the reference.
You are suggesting DCB but every merchant not taking DCB credit card.
What’s the process for applying for an upgrade if one already has a Regalia (with a limit of 4L+)? Write an email?
Yes, we just need to request over email. They will ask us to send scanned copy of upgrade form.
Will they not ask any hard copy of upgrade form to upgrade in their head office.
Whats the mail id to which we need to send regalia to regalia gold?
You can email the grievance email id. They will ask you to send a scanned copy of the upgrade form.
I have Regalia card with limit of 6+…which card I should upgrade it to?Bank is offering Regalia Gold for upgarde,but I don’t think it much beneficial to Regalia first card…pls suggest better card and how to get it
Thanks
If your Regalia is LTF, then don’t go for the upgrade to Regalia Gold. If you have spends greater than 5L on Regalia, then ask for DCB by sending an email to grievance redressal email id.