With the ever-increasing number of credit card options available, it can be difficult to pick one that suits your needs. If you’re looking for a credit card that provide great rewards, cashback, and travel benefits, the HDFC Regalia card is a popular choice. But is it really the best credit card out there? In this article, we’ll explore some of the other options available and compare them to the HDFC Regalia card.
Factors to Consider Before Choosing a Credit Card
When choosing a credit card, there are a few things you should keep in mind. These factors will help you determine which credit card is best suited for your needs. Here are some of the factors to consider:
- Credit score: Your credit score plays a significant role in assessing your eligibility criteria for a credit card. Make sure you have a good credit score before applying for a credit card.
- Annual fee: Some cards come with a higher and lower renewal fee. Make sure you understand the fee structure before applying for a credit card.
- Interest rates: Credit cards come with various interest rates. Look for such credit cards which have lower interest rates.
- Rewards program: Look for a card with a rewards that suits your needs. Some credit cards offer cashback, while others offer travel benefits.
Credit Cards Better than HDFC Regalia Card
While the HDFC Regalia card is a great credit card, there are a few other options available that offer better rewards and benefits. One such credit card is the HDFC Millennia credit card. Here are a few reasons why the HDFC Millennia credit card is better than the HDFC Regalia card:
- Better rewards program: The HDFC Millennia credit card offers better rewards than the HDFC Regalia card. With the Millennia card, you can earn up to 5% cashback on Amazon, Flipkart, and other partner merchants. You also get 1% cashback on all other transactions.
- Lower annual fee: Unlike the HDFC Regalia card, the HDFC Millennia credit card comes with a lower renewal fee of Rs. 1,000. This makes it a great option for those who want to avoid paying a higher annual fee.
- Contactless payments: The HDFC Millennia credit card comes with contactless payments, making it easier to make payments on the go.
HDFC Millennia Vs. HDFC Regalia Card: Which is Better?
Now that we’ve compared the HDFC Regalia card to the HDFC Millennia credit card, let’s take a closer look at how they stack up against each other.
Rewards program: As mentioned earlier, the HDFC Millennia credit card offers better rewards than the HDFC Regalia card. With the Millennia card, you can earn up to 5% cashback on Amazon, Flipkart, and other partner merchants. The HDFC Regalia card, on the other hand, offers 4 reward points for every Rs. 150 spent.
Annual fee: The HDFC Regalia card comes with an annual fee of Rs. 2,500 + GST. The HDFC Millennia credit card, on the other hand, comes with a lower renewal fee of Rs. 1,000 + GST.
Interest rates: Both credit cards come with similar interest rates.
Other benefits: The HDFC Regalia card offers travel benefits such as 8 complimentary domestic and 6 international airport lounge access, while the HDFC Millennia credit card provide 4 complimentary domestic airport lounge access and rewards for flight/hotel bookings via SmartBuy.
Based on the above comparison, it’s clear that the HDFC Millennia credit card is a better option than the HDFC Regalia card. With better rewards and lower annual fees, the HDFC Millennia credit card makes more sense for most people.
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Conclusion
It is important to pick one special credit card that suits your needs. When choosing a credit card, make sure you check factors such as your credit score, renewal fee, interest rates, and rewards program. While the HDFC Regalia card is a great credit card, the HDFC Millennia credit card offers better rewards and benefits. So, if you’re searching for a credit card that offers great rewards and lower annual fees, the HDFC Millennia credit card is a great option.