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HDFC Regalia Gold v. HDFC Swiggy Credit Card

Updated: Apr 5



HDFC Regalia Gold v. HDFC Swiggy Credit Card


In the dynamic landscape of credit cards, selecting the ideal card that aligns with your lifestyle and preferences can be a daunting task. With a plethora of options available, each boasting its own set of perks and benefits, it's crucial to weigh the features carefully to make an informed decision. Among the array of offerings from HDFC Bank, two cards that often stand in the spotlight are the HDFC Regalia Gold Credit Card and the HDFC Swiggy Credit Card.


In this blog post, we embark on a comparative journey to unravel the distinctive features, rewards, and advantages of the HDFC Regalia Gold and HDFC Swiggy Credit Cards. While both cards emanate from the same financial institution, they cater to vastly different needs and preferences, catering to diverse segments of cardholders.


Whether you're a globetrotter seeking travel perks or a food enthusiast looking to savor exclusive dining benefits, these cards promise to elevate your lifestyle in their unique ways. Join us as we delve deeper into the nuances of each card, empowering you to make an informed decision and choose the credit card that best complements your spending habits and lifestyle aspirations.


Comparing the HDFC Regalia Gold Credit Card and the HDFC Swiggy Credit Card

 

Choosing the right credit card can be a daunting task with various options available in the market. Two popular choices from HDFC Bank are the HDFC Regalia Gold Credit Card and the HDFC Swiggy Credit Card. This detailed comparison aims to help you understand the key features, benefits, and differences between these two cards to make an informed decision.

 

HDFC Regalia Gold Credit Card

 

The HDFC Regalia Gold Credit Card is designed for individuals who enjoy premium travel and lifestyle benefits. Here are some of its key features:

 

  • Welcome Benefits: Cardholders receive complimentary Club Vistara Silver Tier and Make My Trip Black Elite membership as welcome benefits.

  • Reward Points: Earn 4 Reward Points for every Rs.150 spent on retail purchases, with 5X Reward Points on select brands.

  • Lounge Access: Enjoy complimentary lounge access at over 1000 airports worldwide.

  • Milestone Benefits: Receive vouchers worth up to Rs. 10,000 on achieving annual spending milestones.

  • Foreign Currency Markup: A lower foreign currency markup of 2% on international transactions.

  • Concierge Services: 24/7 concierge services for travel and entertainment assistance.

 

HDFC Swiggy Credit Card

 

On the other hand, the HDFC Swiggy Credit Card is tailored for food enthusiasts who frequently use the Swiggy app. Its features include:

 

  • Cashback: Get 10% cashback on Swiggy app spends, 5% cashback on online spending across various online Merchant Category Codes (MCCs), and 1% cashback on other categories.

  • Swiggy One Membership: Complimentary Swiggy One Membership for 3 months upon card activation, offering benefits like free delivery and exclusive discounts.

  • Annual Savings: Potential savings of up to Rs. 42,000 annually with the card's cashback program.

  • Interest-Free Period: Up to 50 days of interest-free credit period from the date of purchase.

 

Comparison

 

When comparing the two, the HDFC Regalia Gold Credit Card leans more towards travel and lifestyle perks, while the HDFC Swiggy Credit Card focuses on dining and online shopping rewards. The two would depend on your spending habits and lifestyle preferences.

 

If you are a frequent traveler who appreciates luxury experiences, the HDFC Regalia Gold Credit Card may be more suitable with its lounge access and travel concierge services. However, if you often order food online and are looking for cashback on your spending, the HDFC Swiggy Credit Card could offer more value.

 

Both cards offer distinct advantages. The HDFC Regalia Gold Credit Card caters to the premium segment with a focus on travel benefits. In contrast, the HDFC Swiggy Credit Card is ideal for those who prioritize food delivery and online shopping rewards. Assess your spending patterns and preferences to choose the card that aligns best with your lifestyle.


Conclusion


In the dynamic world of credit cards, the choice between the HDFC Regalia Gold Credit Card and the HDFC Swiggy Credit Card boils down to personal preferences, lifestyle, and spending habits. Throughout our comparison, we've delved into the unique features, rewards, and benefits offered by each card, highlighting their distinct advantages.


For the avid traveler and luxury seeker, the HDFC Regalia Gold Credit Card shines with its comprehensive travel benefits, exclusive privileges, and global acceptance. On the other hand, the HDFC Swiggy Credit Card caters brilliantly to the food aficionado, offering unparalleled dining rewards, discounts, and cashback on online food orders.


Ultimately, the right credit card for you depends on your priorities and lifestyle preferences. Whether you prioritize travel perks or dining delights, HDFC Bank has crafted two exceptional offerings to cater to your needs.


As you weigh your options, remember to assess your spending habits, evaluate the reward structure, and consider the additional benefits offered by each card. With careful consideration and informed decision-making, you can select the credit card that seamlessly integrates into your financial lifestyle, enhancing your everyday experiences and providing value with every swipe.


FAQs


HDFC Regalia Gold Credit Card


Q: What is the joining and annual fee for the HDFC Regalia Gold Credit Card?

The joining and renewal fee for this credit card is Rs. 2500.

 

Q: Is lounge access available for the HDFC Regalia Gold Credit Card?

Yes, the HDFC Regalia Gold Credit Card provides 12 domestic and 6 international airport lounge access.


Q: What are the key features of the HDFC Regalia Gold Credit Card?

Complimentary Club Vistara Silver Tier and MMT Black Elite membership as welcome benefits.

₹ 1,500 worth of vouchers on quarterly spends of Rs. 1.5 lakh.

₹ 5,000 worth of flight vouchers on annual spends of Rs. 5 lakh, with an additional voucher of ₹ 5000 on spends of Rs. 7.5 lakhs.

5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa, and Reliance Digital.

Complimentary lounge access at over 1000 airports.

4 Reward Points on every Rs. 150 spent (on retail spending).


Q: What is the foreign currency markup for the HDFC Regalia Gold Credit Card?

The foreign currency markup is 2% on all your foreign currency spends.


Q: Does the HDFC Regalia Gold Credit Card offer revolving credit?

Yes, you can enjoy revolving credit on your HDFC Bank Regalia Gold Credit Card at a nominal interest rate.


Q: What is the Zero Lost Card Liability feature?

In the unfortunate event of losing your HDFC Bank Regalia Gold Credit Card, reporting it immediately to the 24-hour call center ensures zero liability on any fraudulent transactions made on your Credit Card.


Q: How can I access airport lounges with my HDFC Regalia Gold Credit Card?

You get 12 complimentary domestic and 6 international airport lounge access using the HDFC Bank Regalia Gold Credit Card. Simply swipe your card at the lounge to avail the complimentary access.


Q: What is the Priority Pass benefit for international lounge access?

Using Priority Pass, you and your add-on member can together avail up to 6 complimentary lounge access per calendar year outside India. Apply for a Priority Pass once you complete a minimum of 4 retail transactions on your HDFC Bank Regalia Gold Credit Card.


Q: What if I exceed the complimentary lounge visits?

If you exceed the 6 complimentary visits, you will be charged at US $27 + GST per visit. Additionally, using Priority Pass for lounge access within India will also incur charges.


Q: What are the requirements for guests accompanying the primary cardholder?

Guests must have an add-on credit card with their Priority Pass for lounge access.


HDFC Swiggy Credit Card


Q: What are the benefits of the HDFC Swiggy Credit Card?

The HDFC Swiggy Credit Card offers cashback rewards on various Swiggy transactions (food ordering, groceries, Dineout) and online shopping spends. Additionally, you get a complimentary Swiggy One membership for a limited period.

 

Q: What is the cashback rate on Swiggy transactions?

You earn a generous 10% cashback on Swiggy transactions, up to a maximum of Rs. 1500 per billing cycle.

 

Q: What other categories offer cashback with this card?

The card offers 5% cashback on online shopping across various categories like apparel, electronics, department stores, and more, with a maximum cashback of Rs. 1500 per billing cycle.

 

Q: Are there any exclusions for earning cashback?

Transactions done using Swiggy Money Wallet, Swiggy Liquor, Swiggy Minis, and any other exclusion category mentioned by HDFC Bank won't earn cashback.

 

Q: What is the Swiggy One membership benefit?

The complimentary Swiggy One membership provides benefits like free delivery on orders above a minimum amount, priority orders, and exclusive member discounts.

 

Q: What are the fees associated with the HDFC Swiggy Credit Card?

The fees for this card are similar to other HDFC Bank credit cards and include a joining fee and an annual fee.  You can find the exact charges on the HDFC Bank website.

 

Q: Is there a minimum spending requirement to be eligible for the cashback benefits?

No, there is no minimum spending requirement to earn cashback on this card. However, you might need to meet a minimum transaction value to be eligible for reward points redemption.

 

Q: How can I redeem the cashback earned on this card?

The cashback earned is credited directly to your credit card statement, effectively reducing your final bill amount.

 

Q: Is this card good for people who don't use Swiggy often?

While the Swiggy benefits are attractive, the card also offers decent cashback on online shopping. If you're an online shopper and occasional Swiggy user, it can still be a good option.

 

Q: Where can I find more information about the HDFC Swiggy Credit Card?

You can visit our website https://www.myrupaya.in/product-category/credit-card for detailed information on eligibility, fees, and other terms and conditions.


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