HDFC Regalia Credit Card vs HDFC Superia Card
Joining Fees
₹2,500
₹1,000
Editor's Rating
4
3.8
Key Features
- Avail 4 Reward Points on every Rs.150 spent on all retail spends including Insurance
- Zero Lost card liability
- Foreign Currency Markup : 3.5% on all foreign currency spends
- Enjoy Revolving Credit on the credit card at nominal interest rate
- 24/7 Concierge Services
- Complimentary Airport Lounge Access within India: The lounge access program is be based on credit card spends. Spend Rs.1 Lakh or more in a calendar quarter (Jan-Mar | Apr-June | Jul-Sept | Oct-Dec). Avail up to 2 complimentary lounge access vouchers as part of quarterly milestone benefit
- Priority Pass: Lounge access outside India using priority pass is not based on spends. Apply for Priority Pass for self and add on members once you have completed minimum 4 retail transactions. Using Priority Pass, cardholder and the add on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India. If exceeded the 6 Complimentary visits, there will be a charge of US $27 + GST per visit. Guests accompanying the primary card holder must have an Add-on credit card with their own Priority Pass
- 1% fuel surcharge waiver at fuel stations across India on minimum transaction of Rs. 400 and maximum transaction of Rs. 5000
- Enjoy dining benefits with the Good Food Trail program: Avail up to 7.5% savings on all restaurant bill payments via Swiggy Dineout (20k+ restaurants). The offer is inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done via the Swiggy App
- Milestone Benefit: Obtain Bonus 10,000 Reward Points when making spends of Rs. 5 lakhs in the anniversary year. Earn additional 5,000 Reward Points when spending Rs. 8 lakhs spends in the anniversary year
- Renewal fee waived off if spends exceeds more than Rs. 3 Lakhs in the previous year
- HDFC Bank Regalia Credit Card provides the option to convert big spends into EMI after purchase
- The credit card is enabled for contactless payments
- Accidental air death cover worth Rs. 1 Crore
- Emergency overseas hospitalization: Up to Rs. 15 lakhs
- Lost Card Liability Cover : Up to Rs 9 lakhs
- Convert reward points into miles or vouchers of domestic airlines such as Jet Airways, Air India, etc. and save up to Rs. 8000 a year. Redeem points for miles with over twenty international airlines through KrisFlyer, Singapore Airline's frequent flyer programme
- Enjoy gaining 50% more reward points at premium restaurants
- Gain Three reward points for every Rs. 150 spent and exchange them for miles (at 0.7 miles for every point) or gifts from an exclusive reward catalogue. These Reward points are valid for two years.
- Complimentary Priority Pass Membership.
- On fuel transactions, you'll avail 1% Fuel Surcharge waiver ( Minimum transaction of Rs. 400, Maximum Cashback of Rs. 500 per statement cycle)
- Stay protected against unauthorised use while shopping with the EMV Chip Card technology
- Zero liability on the lost card after reporting the loss
- Get up to 50 interest-free days from date of purchase (subject to the submission of charge by the merchant). Enjoy Revolving Credit at a nominal interest rate
- First year's membership free if you spend Rs. 15,000 within the first 90 days
- Renew the membership for free by spending Rs. 75,000 in a year
Editor's Review
Pros
- Earn 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs
- Accidental air death cover worth Rs. 1 Crore
- Fuel Surcharge Waiver
Cons
- Slightly high Annual Fee
- No golf/coaching sessions
Pros
- Complimentary Priority Pass Membership.
- Avail zero liability on the lost card after reporting the loss
- Get first year's membership for free by spending Rs. 15,000 within the first 90 days
Cons
- High-interest rate
- No golf privileges
