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.
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:
12 free accesses6 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:
Complimentary Taj Epicure Plus Membership(recently revoked) & 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.