Choosing Between Regalia and Regalia Gold: Which One Reigns Supreme?

Regalia and Regalia Gold

HDFC Bank offers some of the best options in India. Two of its most popular cards are the HDFC Regalia and Regalia Gold. If you’re looking for a credit card that offers great rewards, benefits, and perks, then you may be wondering which one to choose. In this article, we’ll compare Regalia and Regalia Gold cards and help you decide which one reigns supreme.

Regalia and Regalia Gold

Comparison Between HDFC Bank Regalia and Regalia Gold

Joining and Renewal Fees

Both HDFC Regalia and Regalia Gold have the same Joining and Renewal Fees of Rs. 2,500. The Regalia card’s renewal cost is waived if you spend Rs. 3 lakhs or more in the past year. However, the Regalia Gold credit card requires you to spend Rs. 4 lakhs to receive the fee waiver.

Welcome Benefits

Both HDFC Regalia and Regalia Gold offer great welcome benefits. The HDFC Regalia Gold offers complimentary MMT Black Elite and Club Vistara Silver Tier membership when you spend Rs. 1 lakh within 90 days. Meanwhile, HDFC Regalia comes with a welcome benefit of 2,500 RPs.

Travel Benefits

Both HDFC Regalia and Regalia Gold offer great travel benefits. Regalia Gold credit cards provide cardholders with 12 complimentary domestic and 6 complimentary international lounge access. Meanwhile, HDFC Bank Regalia Credit Cardholders will be entitled to 8 complimentary domestic and 6 international lounge accesses for each quarter on spends of Rs. 1 lakh or more.

Insurance Benefits

Both credit cards provide accidental air death insurance up to Rs. 1 Crore and overseas hospitalization cover worth Rs. 15 Lakhs.

Milestone Benefits

Both Regalia and Regalia Gold offer great milestone benefits. The HDFC Regalia Gold offers Rs. 1,500 bonus gift voucher on spending Rs. 1.5 lakh in a year, while the HDFC Regalia offers 10,000 bonus reward points on spending Rs. 5 lakh in a year. So, if you’re looking for a card with higher bonus reward points, then the HDFC Regalia is the better choice.

Why to Choose Regalia Gold Over Regalia Credit Card?

After our discussion, it is clear that the Regalia Gold credit card is superior to the Regalia for several reasons.

  • The Regalia Gold and the other card have the same reward rate. However, the Regalia Gold offers 5x reward points on partner brands like Myntra, Nykaa, and Reliance Digital.
  • The Regalia Gold offers better milestone benefits and complimentary flight vouchers on achieving the target spend amount.
  • With the Regalia Gold credit card, you can redeem rewards from the exclusive Gold Catalog and transfer points to new partners like Aeroplan, LifeMiles, and Accor.
  • With Regalia Gold Credit Card, you get 12 complimentary lounge accesses within India. Regalia Credit Card, on the other hand, only offers 8 lounge accesses per year.
  • You don’t need to spend Rs. 1 lakh each quarter for domestic lounge access with Regalia Gold Credit Card, unlike Regalia Credit Card.

Also Read: 6 Reasons to Choose Federal Bank Visa Celesta Credit Card


The HDFC Regalia and Regalia Gold offer different benefits and perks. If you prefer a card with a lower joining fee, more reward points, and a complimentary Taj Epicure Plus membership, go for HDFC Regalia. If you want a card with a complimentary Priority Pass membership, higher discounts on flights, more comprehensive insurance benefits, and higher bonus reward points, HDFC Regalia Gold is the better choice. Choose the one that suits you best and enjoy its rewards and benefits.

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