Regalia Vs Regalia Gold

[praveensudhakaran]

I have a Regalia card with 4.2 L limit. I use the card wherever AMex is not accepted. Now I got a free upgrade to Regalia Gold.

Any regalia gold users, should I stay with Regalia or upgrade worth it?

 

[niks]

Now with the Magnus devaluation, Regalia Gold (LTF) seems to have come back in the race, haha

Haha. So now discontinue Magnus, get Regalia and another Rupay card 😀

 

[Rkr]

Haha. So now discontinue Magnus, get Regalia and another Rupay card 😀

still magnus is better if have spends above 7L Genuinely. 🤣🤣

 

[4uziaul]

still magnus is better if have spends above 7L Genuinely. 🤣🤣

Tum yeh kar rahe hai ho na chote 🤣

 

[sxchzy]

elaborate

still magnus is better if have spends above 7L Genuinely. 🤣🤣

 

[Rkr]

elaborate

The normal reward rate of 2.4% still there.
This card can earn 7% rewards in airmiles on all eligible spends after completing a spending target of 1.5L in a month.

Thread 'Axis Magnus Credit Card Devaluation Notice - Effective from 1st Sept 2023' https://www.technofino.in/community...on-notice-effective-from-1st-sept-2023.15464/

 

[sxchzy]

max returns is 5.62%

The normal reward rate of 2.4% still there.
This card can earn 7% rewards in airmiles on all eligible spends after completing a spending target of 1.5L in a month.

Thread 'Axis Magnus Credit Card Devaluation Notice - Effective from 1st Sept 2023' https://www.technofino.in/community...on-notice-effective-from-1st-sept-2023.15464/

 

[CARDBITRAGE]

max returns is 5.62%

The calculation is off. 2L is exactly the sweet spot. Veer away from that either below or above, your returns will diminish.

 

[amitalpha]

@amitalpha your expertise is needed

The only benefit so far I have seen over the regalia is that regalia Gold gets you in a few extra lounges. Am not sure if the new transfer partners introduced by hdfc are also for both the gold and regular.

 

[sumeet]

Now it is best to get gold after 1 lac spending requirement for regalia for lounge access

 

[card-shard]

Hi

I have got a pre-approved offer of Regalia Gold - Visa (LTF) and Tata Neu Infinity - Rupay Variant (LTF).

Which one should I go with ? Any advice is welcome

Currently, I am using Axis Magnus and Amex Plat Travel

Please re-read the terms carefully.
Recently HDFC team is "scamming" people by writing LTF on top, and then on later pages, mention that fee waived off on spending X-Lakhs/yr.
They aren't giving Regalia GOLD LTF to existing Regalia users, doubtful that it will be LTF for new application.

Don't trust verbal offers from agents either, they make fake promises to meet their sales targets.

 

[card-shard]

Go for Tata Neu Rupay. You should have at least one Rupay card for using through UPI. And if you have Magnus then Regalia Gold is of no use

I don't understand the fetish of Rupay CC amog people.

1. Most decent shops, already hv swipe/tap machines where you can tap & pay using VIsa/MC card (Amazon/Flipkart cards already gives 1/1.5% flat cashback on every purchase, and they are easy to get as well for frequent shoppers)
2. Most small sellers, who only accept UPI use "personal bank accounts" on which you can't pay using Rupay CC
3. Limited other sellers who have merchant accounts for UPI, have disabled accepting payments using Rupay CC due to card charges.
4. This reduces the usage of Rupay CC to a very very small set of shops, which don't hv POS machine, have merchant account on UPI, and have enabled accepting CC payments.

Am I missing something??

 

[ismail]

I don't understand the fetish of Rupay CC amog people.

1. Most decent shops, already hv swipe/tap machines where you can tap & pay using VIsa/MC card (Amazon/Flipkart cards already gives 1/1.5% flat cashback on every purchase, and they are easy to get as well for frequent shoppers)
2. Most small sellers, who only accept UPI use "personal bank accounts" on which you can't pay using Rupay CC
3. Limited other sellers who have merchant accounts for UPI, have disabled accepting payments using Rupay CC due to card charges.
4. This reduces the usage of Rupay CC to a very very small set of shops, which don't hv POS machine, have merchant account on UPI, and have enabled accepting CC payments.

Am I missing something??

yes rupay cards have limited use, but in those specific place where cash has to be used, we can get away with using just our phone and need not carry that extra card too