Top 10 differences between HDFC Bank Regalia & Regalia First Credit Card

Pranav Pranav Follow Oct 07, 2019 · 1 min read · 0 comments
Top 10 differences between HDFC Bank Regalia & Regalia First Credit Card

HDFC Bank Regalia Credit Card has been most popular and successful product from HDFC Bank. Regalia was one of the first premium credit card offerings in Indian market and hence was most sought after at one time. However, owing to premium features and high eligibility criteria, it was not in reach of everyone. Hence, to en-cash the popularity of Regalia, HDFC Bank launched Regalia First Credit Card as an entry level card to reach out the masses. However, there are some subtle differences between the two which I am outlining in this article.

HDFC Regalia vs Regalia First Credit Card

Regalia Regalia First
Eligibility Monthly Income > Rs. 1,20,000 Monthly Income > Rs. 40,000
Annual Fee Rs. 2,500 Rs. 1,000
Welcome Benefit Zomato Gold Membership -
Reward Rate 1.3% 0.8%
Spend Based Milestones 15,000 points on Rs. 8 Lakhs spend 7,500 points on Rs. 6 Lakhs spend
Domestic Airport Lounge Access 12 8
International Airport Lounge Access 6 3
Credit Shield Rs. 9 Lakhs Rs. 5 Lakhs
Air Accidental Death Coverage Rs. 1 Crore Rs. 50 Lakhs
Emergency Overseas Hospitalization Coverage Rs. 15 Lakhs Rs. 10 Lakhs


From above comparison chart, it’s quite evident that though Regalia and Regalia share the similar features, the benefits in Regalia First are lower than Regalia. This is quite expected as Regalia has higher income eligibility criteria and annual fees than Regalia First.

What do you think of HDFC Bank Regalia and Regalia First Credit Cards? Let me know in comments below.

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Written by Pranav Follow
Hi, I am Pranav! I love to acquire, review and earn reward points/cashback from Credit Cards. Guiding people about benefits and optimal utilization of credit cards for years.
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