5 Major Differences Between Regalia and Regalia First

By | November 27, 2016

For about 5 Yrs or so, the Original HDFC Regalia Credit card served as one of the Royal super premium credit card with HDFC, usually issued with a very good credit limit of 3 Lakhs and above. As the name became very much popular in recent times and as everyone want to have hands on the card, HDFC launched a similar card named Regalia First positioning it as a Entry level range of Regalia to meet the demand for those who aren’t eligible for the original Regalia.

HDFC Regalia Credit Card

Original Regalia (above) Vs Regalia First Credit Card

Regalia vs Regalia First – The 5 Major Differences:

#1 Credit Limit:

  • Regalia: 3 Lakhs & above
  • Regalia First: 2 Lakhs – 3 Lakhs

The major difference is the eligibility of the person which is directly proportional to the credit limit. Thumb Rule: Higher the income, higher the credit limit, better the card you can have.

#2 Priority Pass Airport Lounge Access:

  • Regalia: 12 free accesses
  • Regalia First: 4 free accesses

This is one of the major difference from my point of view. Because with Original Regalia you can get a Priority Pass for Add-on Card holder and share the 12 free access across 2 cards, but with Regalia, the free access is too low to share between 2 PP cards. Infact, this should be the major cost-cutting from bank’s perspective.

#3 Reward Rate:

  • Regalia: 1.6%
  • Regalia First: 1%

This is another difference you need to consider if you have ongoing spends.

#4 Insurance Coverage:

  • Regalia: Air accident: Rs.1 Crore, Medical emergency Protection abroad: Rs. 15 Lakhs
  • Regalia First: Air accident: Rs. 50 Lakhs, Medical emergency Protection abroad: Rs. 10 Lakhs

#5 Complimentary Membership:

  • Regalia: Complimentary Taj Epicure Plus Membership & Club Vistara Silver membership
  • Regalia First: Nil

To know more, here are the individual reviews of each Regalia variant and its benefits in detail:

I had been asked many a times about the difference between Regalia and Regalia First recently, hence i decided to come up with the above article. Hope its helpful for many of you.

So, now if you have AllMiles or lower end card, you have to pass through Regalia first and then make it to the original Regalia. This way, access to Original Regalia is minimized. Smart Move by HDFC!

What do you think about this move by HDFC with Regalia First? Share your comments below.

15 thoughts on “5 Major Differences Between Regalia and Regalia First

    1. Siddharth Post author

      Yes, exceptions are always there. Though 52k is unbelievable & super low for the Regalia. You’re lucky!


    I did a little research to find the difference between these two cards but could not find any except for the free lounge visits. I was wondering is this the only difference?? Now, your post explains the difference is short and easy manner.


  2. Prashant Agrawal

    This was very helpful. I have always wondered what were the actual differences but was too lazy to do it myself. Thank-you for posting this!

  3. Jereen

    Isn’t it 12 pp for primary card holder +12 pp for the add on card holder for Regalia. And 4 pp each for primary and add on card holder for Regalia First?

  4. Parth

    Damn buddy you’re on a roll! 5 days I didn’t check your website and there are so many articles to go through. Keep up the good work!

    1. Siddharth Post author

      Thank you!
      Keep reading and commenting wherever you wish to. It encourages me to write more 🙂

  5. Behzu K

    Hey Sid.. I’m completely torn between the HDFC Regalia and the HDFC Jet Privilege World Card. Sorry, but my knowledge of credit cards is very limited. So I really don’t know which one to opt for.
    My interest is in generating miles for my travels, but I don’t want to be stuck with a single airline.
    With Regalia points I can purchase a ticket with points on any airline while but with JetPrivilege World card I am limited to Jet Airways only.
    Really can’t decide.. Do suggest… PLEASE !!

    1. Siddharth Post author

      You’ve already answered your question 🙂
      Regalia is for you!

  6. Akhil

    Hi Siddharth,

    I just received my ‘Regalia first’ for 2 lakhs FD, i was given a limit of 1.5lakhs, I posed a query of the same on this site, which you clarified. I guess I missed out on the ‘1000 reward points every month’ because I got the card on 8th November. I am looking forward for another credit card, looking into standard charter cards, just hoping that i can get the manhattan card based on my Regalia first.


    1. Siddharth Post author

      Sounds good. Have a great time with Regalia First 🙂
      Wait for sometime, maybe 2 months before you apply for SC card.


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