OPINION: Is HDFC Phasing out Regalia?

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Last Comment 2021-12-06

DesiDime Coupons

HiDEaL

2021-11-21

It is quite astonishing to see that many Regalia (and Regalia-First) users have reported receiving “upgrade” offers to Millennia. Its seems somewhat counterintuitive as Regalia has been HFDC’s flagship product for years, placed at a level up over Millennia. Although, Regalia has been devalued/diluted from rewards rate aspect into a very ordinary card over the years, it has traditionally been a Top-tier card (compared to Millennia, labelled as a Mid-range one).

The new move seems to imply Regalia’s days might be numbered, and will possibly be superseded by New Millennia, following the exact roadmap through which HDFC has been phasing out Regalia-First. A forced/compulsory upgradation may be hovering down the horizon for all Regalia holders, into Millennia or Infinia or other cards.

HDFC seems to be on a road to overhaul its entire spectrum of Credit Card offerings. Phasing out Regalia-First, introduction of Infinia Metal Edition and revamped offerings on Millennia are few indicators of the frame-shift. There are early indications emerging of refreshed offerings on DinersClub platform.

https://www.desidime.com/discussions/regalia-fi...
https://www.desidime.com/discussions/hdfc-mille...

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https://www.desidime.com/discussions/opinion-is-hdfc-phasing-out-regalia?page=1#post_8095774

BlueFlash

2021-11-21

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Regalia went into the trash last year itself when the devaluation happened. 99% of the time Millennia is better than Regalia even though it’s supposed to be the lesser card. The only reason people still keep Regalia over Millennia is just so as to get the upgrade to Infinia, since the general route for Infinia is via Regalia and not via Millennia. And maybe some 1% of the people who use the international lounge PP, free golf courses, airport spa, and other such luxury features of Regalia.

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https://www.desidime.com/discussions/opinion-is-hdfc-phasing-out-regalia?page=1#post_8095774

BlueFlash

2021-11-21

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https://www.desidime.com/discussions/opinion-is-hdfc-phasing-out-regalia?page=1#post_8096001

Fanil

2021-11-22

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I’m sorry but I don’t agree. after the devaluation of millennia, regalia seems to be a better card now. Even earlier regalia was better because smartbuy had a capping of 2000 / month and unlimited point accrual though point value was low. To make up for it hdfc ran campaigns such as 2x points on tap n pay and 3x points on payzapp transactions. The only thing good in old millennia was 10% cashback on insta vouchers but for that I need to guarantee that I accrue 2500 points in a year. The new millennia brings min redeem to 500 but devalues 10% cashback to 6% which is almost equal to regalia.

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InvestPotato

2021-11-21

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Earlier 5% cashback was applicable for purchases through smartbuy and min 2000. Looks like now purchase made without smartbuy is also applicable for 5% cashback and with no monthly limit. Correct me If I am wrong

https://www.desidime.com/discussions/opinion-is-hdfc-phasing-out-regalia?page=1#post_8096038

demerius2020

2021-11-22

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i received some whatsapp about diner millenia

https://www.desidime.com/discussions/opinion-is-hdfc-phasing-out-regalia?page=1#post_8096044

HiDEaL

2021-11-22

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Check this thread
https://www.desidime.com/discussions/hdfc-diner...

https://www.desidime.com/discussions/opinion-is-hdfc-phasing-out-regalia?page=1#post_8096089

Spiderguy252

2021-11-22

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Going to hold on to my LTF Regalia and will refuse any upgrade unless it’s to DCB/Infinia – LTF or not.

Am a heavy airport lounge user and am sitting in a lounge right now lol.

https://www.desidime.com/discussions/opinion-is-hdfc-phasing-out-regalia?page=1#post_8096166

titamazon

2021-11-22

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same here, not a heavy driver but yes i am fequent flyer so airport lounge is main concern.

https://www.desidime.com/discussions/opinion-is-hdfc-phasing-out-regalia?page=1#post_8097431

jambui

2021-11-22

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Already effective for old customers too.
For existing HDFC Bank Millennia Credit Cardholders (i.e., to whom the card has been issued on or before September 30, 2021) the revision in product features shall be applicable with effect from November 01, 2021

https://www.desidime.com/discussions/opinion-is-hdfc-phasing-out-regalia?page=1#post_8097803

Seinfeld

2021-11-22

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You are correct, but why list the 2 separate cards on their product page, that’s what is surprising and very misguiding too

Refer my above comment
https://www.desidime.com/discussions/opinion-is...

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https://www.desidime.com/discussions/opinion-is-hdfc-phasing-out-regalia?page=1#post_8103387

HiDEaL

2021-11-25

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Only 1% CB received for BigBasket payment using PayZapp. (Marked as Offline Wallet transaction) stuck_out_tongue
Big bummer. Keeping the card, only as its an LTF subscription.

Looks like, HDFC is turning SmartBuy into a Infinia/DCB- only portal. Practically, other cards are only as good as non-HDFC cards.

@sudbht694 , would have certainly quit, had I been paying a single rupee as annual fees.

https://www.desidime.com/discussions/opinion-is-hdfc-phasing-out-regalia?page=1#post_8103534

sudbht

2021-11-25

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This you are saying for October months right? I have received 10% for Instant vouchers and even for amazon purchase. From November it got changed. Have to see it in the next statement.

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https://www.desidime.com/discussions/opinion-is-hdfc-phasing-out-regalia?page=1#post_8125245

aneelg

2021-12-06

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I checked hdfc diners privelege Credit card reward structure,you get 4 reward points for every Rs 150 spent and each reward point value is 0.5 in smartbuy hotels/flights and 0.20 value in cashback.
I see axis ace credit card is better than this card which gives 2% cashback for all transactions and will be the best card than diners privelege Credit card.Any suggestions on this.Please comment.

https://www.desidime.com/discussions/opinion-is-hdfc-phasing-out-regalia?page=1#post_8125486

Sudarshan61

2021-12-06

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Depends how your spending patterns are…
ACE is one of the good card with 2% cashback.

Even diner Privilege is good card if you can spend accordingly and maximize the benefit

1. Milestone benefit is around 1% which is on top of all the reward points you get (vouchers from Ola Select membership or cult.fit Live membership or BookMyShow or TataCLiQ worth ₹ 500 each, every month on spends of ₹ 40,000)

2. 4 rewards points per Rs150 spend, but they also have 10X partners…so 40 points per 150 spend…do the % reward yourself smile . can ignore if you dont find it of much use

3. Complimentary annual memberships of Amazon Prime, Zomato Pro, MMT BLACK, BB Star and Times Prime can also be availed upon achieving annual spend milestone of ₹ 5 Lakhs… Ignore this as not everyone is going to spend 5Lac on single card. but this is easy approx 0.4% on top of 1% + rewards that we get

4. Insurance and credit shield cover that comes complimentary with the card..

if you are just interested in the cashback ACE wins…but as a package diners privilege is much better card.