HDFC Regalia vs Infinia Credit Card: A Detailed Review

HDFC Bank is a very popular name in the world of finance. HDFC is maintaining a strong hold in every finance related category. In this article, we are going to talk about two very popular and premium credit cards of HDFC, HDFC Infinia vs Regalia Credit Card. Both the HDFC Infinia and HDFC Regalia credit cards are super premium credit cards of HDFC Bank. Now HDFC Bank has many credit cards in different categories but it does not mean that all credit cards are beneficial for all customers.

HDFC or all banks’ credit cards are categorized on the basis of different preferences and choices of their customers. Now it depends on the customer which of these credit cards he chooses as per his requirement. In this article, we are going to give you a quick and brief review of both HDFC Regalia and HDFC Infinia credit cards, so that you will be able to understand which of these credit cards is best for you.

Before applying for any credit card, it must be known that the bank has designed that credit card for which customers or for which type of people this credit card is more suitable.

HDFC Infinia vs Regalia Credit Card: A Quick Overview

HDFC Infinia vs Regalia Credit Card: A Detailed Comparison

Fee And Charges:

HDFC Infinia Credit Card’s joining and annual fee is ₹ 12500+ Taxes. If you want to get your renewal fee waived off, then you will have to spend Rs 10 lakh on this credit card in a year.

HDFC Regalia Credit Card’s joining and annual fee is ₹ 2500 + Taxes. If you want to waive off your renewal fee, then you will have to spend Rs 4 lakh in a year on this credit card.

Along with this, you can see some other important charges of both these credit cards in the table below, about which you should definitely know.

Other Charges of HDFC Infinia and Regalia Credit Card

You can see here that in HDFC Regalia you have to pay more charges as compared to HDFC Infinia credit card and in most of the places you do not have to pay any fee in HDFC Infinia card.

If we see here, you also have to pay Cash Advance fee only in HDFC Regalia Credit Card. And you have to pay the Reward Redemption fee only in Regalia Credit Card. But keep in mind here that when you redeem these reward points in the form of cashback, you do not have to pay any redemption fee in any card.

Along with this, when you miss or delay any payment in HDFC Regalia Credit Card, you have to pay some charges on the due amount which you can see below –

Charges in Case of Default

Eligibility:

HDFC Infinia Credit Card is an Invite only credit card. HDFC Bank does not provide you any direct link to apply for this card. This card is a premium credit card of HDFC and the bank automatically selects customers for this card. But you can apply for this card indirectly. If you have ITR of ₹ 45 lakh then you can apply for this card from your branch.

Apart from this, you can also get this card on the basis of card to card system. If you already have a card whose limit is ₹ 10 lakh, then you can get this card exchanged. Now, it depends on your area whether your branch exchanges your card on this card to card system or not.

For HDFC Regalia Credit Card, if you are a salaried person, then your age limit should be between Min 21 years & Max 60 Years and your monthly income should be more than one lakh rupees. And if you are a Self-Employed Person then you should have ITR of Rs. 12 lakh or above per Annum.

Welcome And Renewal Benefits:

Now if we look here, your joining fee is recovered from the welcome benefits. Now if you spend Rs 10 lakh in a year on this credit card, your annual fee is waived off. But if you are not able to fulfill this criteria and you have to pay an annual fee of Rs 12,500, then even at that time you get 12,500 reward points equal to this annual fee as a renewal benefit. Now with this renewal benefit the annual fee of this credit card is also recovered.

Now HDFC Regalia Credit Card is behind HDFC Infinia Credit Card in almost every feature but if we talk about fees, then the joining and annual fees of Regalia Credit Card are also much less than Infinia Credit Card. And this card provides you with as many benefits as the fee charged by HDFC Regalia Credit Card. In this Regalia Credit Card, you are given as a welcome benefit an amount equal to your joining fee i.e. 2500 reward points. Now you do not get any benefit in the name of renewal benefit in this credit card. But by fulfilling their criteria you can definitely get the annual fee of this card waived.

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Reward Points:

In HDFC Infinia, you get 5 reward points on every retail spending of ₹ 150, in which you also get categories like Insurances, Utilities and Education. Along with this, if you spend on Travel and Shopping using HDFC’s SmartBuy Platform, you get 10 times these reward points.

With the HDFC Regalia Credit Card, you get 4 reward points on every ₹150 spent on retail. Along with this, if you spend on brands like Marks & Spencer, Myntra, Reliance Digital and Nykaa on HDFC SmartBuy platform with this credit card, you get 5X i.e. 20 reward points on every Rs 150.

Reward Points Redemption Value:

In HDFC Infinia Credit Card – 

• Flight and Hotel Bookings via Smartbuy at a value of 1 RP = Rs 1
• Apple products and Tanishq vouchers via Smartbuy at a value of 1RP = Rs. 1
• Airmiles conversion through Netbanking at a value of 1RP = 1 Airmile
• Products and Vouchers via Netbanking or SmartBuy at a value of 1 RP = upto Rs 0.50
• Cashback at a value of 1 RP = Rs 0.30

In HDFC Regalia Credit Card – 

• Flights and hotel bookings via Smartbuy at a value of 1 RP = Rs 0.5
• Exclusive Gold Catalog: Premium brands on Smartbuy at 1 RP = Rs 0.65
• Airmiles conversion through Netbanking or SmartBuy at a value of 1RP = 0.5 Airmile
• Products and Vouchers via Netbanking or SmartBuy at a value of 1 RP = upto Rs 0.35
• Cashback at a value of 1 RP = Rs 0.20

Reward Points Capping:

Milestone Benefit:

Regalia Credit Card Milestone Benefits:

1. if you use your credit card and spend Rs. 1.5 Lakhs within a specific calendar quarter (a three-month period), you will receive vouchers worth ₹1,500. These vouchers can be redeemed at participating partners, which in this case include Marriott, Myntra, Marks & Spencer, or Reliance Digital. This is a way for the credit card or loyalty program to reward you for reaching a certain spending threshold.
2. If you accumulate a total spending of Rs. 5 Lakhs within the anniversary year of owning the credit card, you will be eligible to receive flight vouchers worth ₹5,000. An anniversary year typically refers to the 12-month period starting from the date you acquired the credit card. The flight vouchers can likely be used to book flights with specified airline partners or through a dedicated platform.
3. In addition to the previous benefit, if your total spending reaches Rs. 7.5 Lakhs within the same anniversary year, you will receive an extra set of flight vouchers worth ₹5,000. This provides an additional incentive for cardholders to continue using the credit card and achieve higher spending levels, leading to increased rewards.

But you do not see any such Milestone benefit in HDFC Infinia Credit Card. This is the biggest drawback of this credit card. Although earlier you were provided Milestone benefits in this credit card, but now HDFC Bank has made changes in it and removed them.

Golf Privileges:

You are also given the facility of Golf games in HDFC Infinia Credit Card. Enjoy the privilege of indulging in an unlimited number of complimentary golf games at prestigious courses throughout India, and also gain access to select courses globally. Additionally, savor the opportunity for limitless complimentary golf coaching sessions, exclusively available at handpicked golf courses across India. Click here for more detail

But this Golf Games facility is not available in HDFC Regalia Credit Card. You can get the facility of Golf Games and Courses only on the premium cards of HDFC Bank.

Hotels & Dining Benefits:

Under HDFC Infinia Credit Card, if you book 3 nights in any of the Participating Hotels of ITC, then you have to pay the amount of only two nights, you get one night free from HDFC Bank. Along with this, you also get the offer of 1+1 complimentary buffet in ITC’s participating hotels.

With this, if you make payments for your food bill from Swiggy Dineout under their Good Food Trail Program, then you get additional 15% off.

In contrast, you do not get any kind of hotels benefit in HDFC Regalia Credit Card but you do get the benefit of Good Food Trail Program in which you get 15% off on Swiggy Dineout.

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Lounge Access:

With HDFC Infinia Credit Card, you get unlimited lounge access through Priority Pass at all airports in India and outside India. The biggest advantage of this credit card is that you get unlimited lounge access in it and this benefit is also available to your Add-on Priority Pass holders.

In HDFC Regalia Credit Card, you get 12 complimentary Airport Lounge Access in both Domestic and International terminals at selected Airports. If you exhaust your limit and even after that you want to avail the benefit of Lounge Access, then you will have to pay ₹ 2200 per visit.

Insurance:

In HDFC Infinia credit card, you get Accidental Air Death cover of ₹ 3 crore and Emergency overseas hospitalization cover of up to ₹ 50 lakh. Apart from this, you also get Credit Shield Cover upto ₹ 9 Lakh.

In contrast, with the HDFC Regalia Credit Card, you get Accidental Air Death cover of ₹ 1 crore and Emergency overseas hospitalization cover of up to ₹ 15 lakh. You also get Credit Shield Cover upto ₹ 9 lakh in this.

Final Words:

After reading this entire article, you must have understood that HDFC Regalia Credit Card is very beneficial for those people who frequently use airports because in this credit card you get most of the benefits on airport lounge access and flight tickets booking only. Therefore, if you do a lot of airplane traveling then this credit card is more beneficial for you. Along with this, HDFC’s Infinia Credit Card is the top premium credit card in India because in it you get all the benefits of premium quality. Whether you travel by airplane or you want to earn reward points, this credit card is best for both categories of people.

But since this card is premium, you have to pay more for its fee, therefore now you have to decide which of these credit cards is good for you as per your requirements and which credit card you should apply for.