Since 2011, the Original Regalia Credit card served as one of the Royal 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 wants to have hands on the card, HDFC launched a similar card named Regalia First positioning it as an Entry level card in Regalia range to meet the demands of those who aren’t eligible for the original Regalia.
I had been asked many a times about the difference between Regalia and Regalia First recently, hence i decided to come up with this article. Hope its helpful for many of you. Here are the major Differences between Regalia and Regalia First credit card.
1. Joining Fees
- Regalia: 2,500 INR
- Regalia First: 1000 INR
In most cases, you might be able to get the card as First Year Free.
- Regalia: Rs.1,20,000 Annual income
- Regalia First: Rs.40,000 Annual income
Even-though the Eligibility for Regalia appears to be high, you should be able to upgrade from Regalia First to Regalia easily given the spends are good.
3. Reward Rate
- Regalia: 1.3%
- Regalia First: 0.8%
This means, if you spend 1Lakh, you get Rs.1,300 value back as points on Regalia, while its only Rs.800 on Regalia First.
4. Spend Based Milestones
- Regalia: Upto 15k Points on 8L Spend
- Regalia First: Upto 7.5k Points on 6L Spend
This is another difference you need to consider if you have high ongoing spends.
5. Airport Lounge Access
- Regalia: Domestic 12 / International: 6
- Regalia First: Domestic: 8 / International: 3
This is one of the major difference from my point of view, if you’re a traveller.
6. Credit Limit
- Regalia: 3 Lakhs+
- Regalia First: 1 Lakh – 3 Lakhs
The major difference is the eligibility of the person which is directly proportional to the credit limit. Thumb Rule: Higher the income & spends, higher the credit limit & better the card you can have.
7. Credit Shield
- Regalia: 9 Lakhs
- Regalia First: 5 Lakhs
To know more, here are the individual reviews of each Regalia variant and its benefits in detail:
Note that if you’ve HDFC Allmiles credit card, you can easily upgrade it to HDFC Regalia First as the bank is no longer issuing Allmiles card. Infact, Regalia First is more of a replacement for Allmiles.
What do you think about Regalia & Regalia First? Share your comments below.