Regalia vs. Infinia
If you are looking for a premium credit card that offers you exclusive benefits, rewards, and privileges, you might want to consider the HDFC Regalia Gold Credit Card and the HDFC Infinia Credit Card. These are two of India's most sought-after credit cards and for good reasons. In this blog post, we will compare and contrast these two cards and help you decide which one suits your lifestyle and spending habits better. We will also cover these cards' features, fees, eligibility, and application process, so you can make an informed choice.
HDFC Regalia Credit Card | HDFC Infinia Credit Card |
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Joining/ Renewal Membership Fee of Rs. 2500 + Applicable Taxes. | Joining fee: Rs.12,500 Renewal fee: Rs.5,000 (Spend 10 lakhs or more in the preceding 12 months and get the renewal membership fee waived or next year.) |
Interest Rate: 3.6% per month (i.e., 43.2% per annum) | Interest Rate: 1.99% per month i.e. 23.88% annually |
Welcome Benefit: Pay your Joining Membership Fee and get a Gift Voucher equivalent to Fee Amount = Rs.2,5000 Complimentary Club Vistara Silver Tier and MMT Black Elite Membership when you spend Rs. 1 Lakhs and above within 90 days of card issuance | Welcome Benefit: Complimentary Club Marriott membership for a year that offers up to 20% discounts for Dining and Stay across Asia–Pacific region. Get the welcome benefit of 12,500 reward points upon fee realization and card activation. |
If you are looking for a premium credit card from HDFC Bank, you might be confused between the HDFC Infinia Credit Card and HDFC Regalia Credit Card. Both cards offer attractive rewards, benefits, and features, but which one is better for you? In this blog post, we will compare these two cards on various parameters such as fees and charges, features and benefits, pros and cons, and help you decide which one suits your needs and lifestyle.
Fees and Charges
One of the main differences between the HDFC Infinia Credit Card and the HDFC Regalia Credit Card is the fees and charges. HDFC Infinia Credit Card is an invitation-only card that has a high annual fee of Rs. 12,500 plus GST. However, this fee can be waived if you spend Rs. 8 lakhs or more in a year. HDFC Regalia Credit Card has a lower annual fee of Rs. 2,500 plus GST, which can also be waived off if you spend Rs. 3 lakhs or more in a year.
Both cards also charge a foreign currency markup fee of 2% on international transactions, which is again lower than the industry average of 3.5%. However, finance charges or the interest rate of both the cards differ i.e., HDFC Infinia Credit Card charges an interest of 1.99% per month on the outstanding balance, which is lower than most of the credit cards. On the other hand, the HDFC Regalia Gold Credit Card charges interest of 3.6% per month, which is comparatively higher than the HDFC Infinia Credit Card. Similarly, the HDFC Infinia Credit Card offers a higher credit limit than the HDFC Regalia Credit Card, which can vary depending on your income, credit score, and spending pattern.
Features and Benefits
Another major difference between the HDFC Infinia Credit Card and the HDFC Regalia Credit Card is the features and benefits they offer. HDFC Infinia Credit Card is packed with premium and exclusive features and benefits that are unmatched by any other card in India. Some of the key features and benefits of HDFC Infinia Credit Card are:
Unlimited airport lounge access at over 1000 lounges worldwide for the primary and add-on cardholders under the Priority Pass program.
Complimentary Club Marriott membership for one year that offers up to 20% discount on dining and staying across Asia Pacific, and 15% off on up to 10 guests at select hotels.
Complimentary Zomato Gold membership for one year that offers a complimentary dish or up to two complimentary drinks at partner restaurants.
Complimentary golf lessons and green fee waiver at select golf courses in India and abroad.
Complimentary travel insurance cover of up to Rs. 3 crores for air accident death, up to Rs. 50 lakhs for overseas emergency hospitalization, up to Rs. 15 lakhs for travel inconvenience, and up to Rs. 9 lakhs for credit shield.
Reward points that never expire and can be redeemed for air tickets, hotel bookings, gift vouchers, or cashback at a value of Rs. 1 per point.
Accelerated reward points of 10X on SmartBuy portal, 2X on dining, air vistara, and HDFC Bank websites, and 5X on partner brands such as Amazon, Flipkart, Uber, Swiggy, etc.
Concierge service that offers assistance for travel bookings, dining reservations, entertainment tickets, gift delivery, etc.
HDFC Regalia Credit Card also offers some attractive features and benefits, but they are not as premium or exclusive as HDFC Infinia Credit Card. Some of the key features and benefits of HDFC Regalia Credit Card are:
Complimentary airport lounge access at over 1000 lounges worldwide for the primary cardholder and up to 12 visits per year for the add-on cardholder under the Priority Pass program.
Complimentary Club Vistara Silver membership that offers priority check-in, baggage handling, boarding, and additional baggage allowance on Vistara flights.
Complimentary travel insurance cover of up to Rs. 1 crore for air accident death, up to Rs. 15 lakhs for overseas emergency hospitalization, up to Rs. 5 lakhs for travel inconvenience, and up to Rs. 9 lakhs for credit shield.
Reward points that expire after two years and can be redeemed for air tickets, hotel bookings, gift vouchers, or cashback at a value of Rs. 0.5 per point.
Accelerated reward points of 10X on the SmartBuy portal and 4X on dining, groceries, supermarket, and airvistara website.
Dining privileges that offer up to 15% discount at partner restaurants across India.
Pros and Cons
Based on the above comparison, we can list some of the pros and cons of both cards as follows:
HDFC Infinia Credit Card
Pros:
Unlimited airport lounge access for primary and add-on cardholders.
Complimentary Club Marriott and Zomato Gold memberships.
Complimentary golf privileges and concierge service.
Higher travel insurance cover and credit limit.
Reward points that never expire and have a higher value.
Lower finance charge and foreign currency markup fee.
Cons:
High annual fee of Rs. 12,500 plus GST.
Invitation-only card that requires a high income and credit score.
No fuel surcharge waiver or cashback offers.
HDFC Regalia Credit Card
Pros:
Lower annual fee of Rs. 2,500 plus GST, which can be waived off.
Complimentary Club Vistara Silver membership and dining privileges.
Fuel surcharge waiver of up to Rs. 500 per month.
Cashback offer of 5% on utility bill payments.
Cons:
Limited airport lounge access for add-on cardholders.
No complimentary hotel or food delivery memberships.
No golf or concierge privileges.
Lower travel insurance cover and credit limit.
Reward points that expire and have a lower value.
Higher finance charge and foreign currency markup fee.
Eligibility Criteria:
Here are some of the key differences in Eligibility Criteria for both Cards:
The HDFC Regalia Gold Credit Card is available for both salaried and self-employed Indian nationals, while the HDFC Infinia Credit Card is by invitation only.
HDFC Regalia Gold Credit Card requires a minimum net monthly income of Rs. 1,00,000 for salaried applicants and a minimum ITR of Rs. 12 lakhs per annum for self-employed applicants. HDFC Infinia Credit Card does not have any specific income requirement, but it is likely to be higher than the HDFC Regalia Gold Credit Card.
HDFC Regalia Gold Credit Card has a minimum age limit of 21 years and a maximum age limit of 60 years for salaried applicants and 65 years for self-employed applicants. HDFC Infinia Credit Card has a minimum age limit of 18 years and a maximum age limit of 70 years for both resident and non-resident applicants.
Conclusion:
To conclude, HDFC Infinia Credit Card and HDFC Regalia Credit Card are both premium credit cards from HDFC Bank that offer different features and benefits to suit different needs and lifestyles. HDFC Infinia Credit Card is a more exclusive and superior card that offers unlimited airport lounge access, complimentary hotel and food delivery memberships, golf and concierge privileges, higher travel insurance cover and credit limit, and reward points that never expire and have a higher value. However, it also has a high annual fee of Rs. 10,000 plus GST, which can be waived off only if you spend Rs. 8 lakhs or more in a year. It is also an invitation-only card that requires a high income and credit score to qualify.
HDFC Regalia Credit Card is a more affordable and accessible card that offers complimentary airport lounge access for the primary cardholder, complimentary Club Vistara Silver membership, dining privileges, fuel surcharge waiver, cashback offer on utility bill payments, and reward points that can be redeemed for air tickets, hotel bookings, gift vouchers, or cashback. However, it also has a lower travel insurance cover and credit limit, reward points that expire and have a lower value, and no complimentary hotel or food delivery memberships, golf or concierge privileges.
Therefore, the choice between HDFC Infinia Credit Card and HDFC Regalia Credit Card depends on your income, spending pattern, preferences, and lifestyle. If you are looking for a more exclusive and superior card that offers premium and unmatched features and benefits, you can opt for HDFC Infinia Credit Card. However, if you are looking for a more affordable and accessible card that offers adequate value for users relatively compared to Infinia, you can opt for HDFC Regalia Credit Card.