{"id":8425,"date":"2026-05-15T12:44:26","date_gmt":"2026-05-15T07:14:26","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=8425"},"modified":"2026-05-15T12:44:29","modified_gmt":"2026-05-15T07:14:29","slug":"hdfc-regalia-gold-got-devalued-3-best-alternative-cards-with-better-perks-and-higher-rewards-to-consider","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/hdfc-regalia-gold-got-devalued-3-best-alternative-cards-with-better-perks-and-higher-rewards-to-consider\/","title":{"rendered":"HDFC Regalia Gold Got Devalued: 3 Best Alternative Cards With Better Perks and Higher Rewards to Consider"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis: <\/strong><em>Effective 15th May 2026, HDFC Bank revised the benefits on its Regalia Credit Card, reducing the reward rate and attaching a quarterly spend condition to domestic lounge access. This article explains what changes and which cards now are the best alternatives.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>The HDFC Regalia Gold Credit Card was regarded as one of the best mid-premium all-rounders. The May 2026 revision has nudged many users to re-evaluate their card choices, particularly those who valued its previously unconditional lounge access and competitive reward structure.<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1693318875\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-changed\" style=\"font-size:22px\"><strong>What Changed<\/strong><\/h2>\n\n\n\n<p><strong>Before May 2026:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Reward Rate: 4 Reward Points per \u20b9150 spent<\/li>\n\n\n\n<li>20 Reward Points per \u20b9150 at Myntra, Nykaa, Marks &amp; Spencer, Reliance Digital<\/li>\n\n\n\n<li>12 Complimentary domestic lounge visits\/year with no spend condition<\/li>\n\n\n\n<li>6 international lounge visits\/year via a Priority Pass with no spend condition<\/li>\n\n\n\n<li>No card reissuance fee<\/li>\n<\/ul>\n\n\n\n<p><strong>After May 2026:<\/strong><\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-479038779\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Reward Rate revised: 5 Reward Points per \u20b9200 spent<\/li>\n\n\n\n<li>Domestic lounge access: 3 visits per calendar quarter, applicable on spending only \u20b960,000 or more in the preceding calendar quarter<\/li>\n\n\n\n<li>6 international lounge visits via Priority Pass<\/li>\n\n\n\n<li>Card reissuance fee: \u20b9100 for lost or damaged card<\/li>\n\n\n\n<li>New: Boarding Edge Programme, which gives, complimentary spa, buffet, hotel room upgrade, or airport transfer, any 2 per calendar quarter, by uploading boarding pass on Smartbuy<\/li>\n\n\n\n<li>The reward and lounge access are devalued but is partially offset by the new Boarding Edge travel perk.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-best-alternative-credit-cards\" style=\"font-size:22px\"><strong>Best Alternative Credit Cards<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-hdfc-bank-millennia-credit-card\" style=\"font-size:18px\"><strong><a href=\"https:\/\/bitli.in\/d0eFcGr\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">HDFC Bank Millennia Credit Card<\/a><\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><a href=\"https:\/\/bitli.in\/d0eFcGr\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/05\/HDFC-Bank-Millennia-Credit-Card-2-1024x576.jpg\" alt=\"HDFC Bank Millennia Credit Card\" class=\"wp-image-8384\" style=\"width:450px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/05\/HDFC-Bank-Millennia-Credit-Card-2-980x552.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/05\/HDFC-Bank-Millennia-Credit-Card-2-480x270.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/a><\/figure>\n\n\n\n<ol class=\"wp-block-list\"><\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining Fee:<\/strong> \u20b91,000 + Applicable Taxes<\/li>\n\n\n\n<li><strong>Annual Fee:<\/strong> \u20b91,000 + Applicable Taxes<\/li>\n\n\n\n<li><strong>Fee Waiver:<\/strong> On annual spends of \u20b91,00,000 or more<\/li>\n\n\n\n<li><strong>Interest-free period:<\/strong> Up to 50 days from the date of purchase (subject to the submission of the charge by Merchant)<\/li>\n\n\n\n<li><strong>Welcome benefit:<\/strong> 1,000 CashPoints on paying the joining fee<\/li>\n\n\n\n<li><strong>Rewards:<\/strong>\n<ul class=\"wp-block-list\">\n<li>5% CashBack on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, Tata CLiQ, BookMyShow, Sony LIV, Cult.fit, capped \u20b91,000 CashPoints per statement cycle<\/li>\n\n\n\n<li>1% CashBack on all other eligible retail spends, capped \u20b91,000 CashPoints per cycle<\/li>\n\n\n\n<li>10% additional cashback on Swiggy Dineout via PayZapp\/SmartBuy<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Eligibility:<\/strong> Age 21 to 40 years; salaried income \u20b935,000\/month; self-employed ITR \u20b96 lakh p.a.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>To apply for the card, please visit the <a href=\"https:\/\/bitli.in\/d0eFcGr\"><strong>Official Website<\/strong><\/a><\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2935908577\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-axis-bank-horizon-credit-card\" style=\"font-size:18px\"><strong><a href=\"https:\/\/bitli.in\/q0bgVb2\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Axis Bank Horizon Credit Card<\/a><\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><a href=\"https:\/\/bitli.in\/q0bgVb2\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/Axis-Horizon-Credit-Card-1024x683.jpg\" alt=\"Axis Horizon Credit Card\" class=\"wp-image-1550\" style=\"width:450px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/Axis-Horizon-Credit-Card-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/Axis-Horizon-Credit-Card-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/Axis-Horizon-Credit-Card-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/a><\/figure>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\"><\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining Fee:<\/strong> \u20b93,500 + Applicable Taxes<\/li>\n\n\n\n<li><strong>Annual Fee:<\/strong> \u20b93,500 + Applicable Taxes<\/li>\n\n\n\n<li><strong>Lounge Access:<\/strong> 2 complimentary international lounge accesses per calendar quarter; 6 complimentary visits per calendar quarter for Mastercard World cardmembers and, 8 complimentary visits per calendar quarter for Visa Signature cardmembers<\/li>\n\n\n\n<li><strong>Interest-free period:<\/strong> 20-50 days based on the credit profile and other evaluation metrics<\/li>\n\n\n\n<li><strong>Welcome benefit:<\/strong> 5,000 EDGE Miles credited if the first transaction is \u20b91,000 or more within 30 days of card issuance, and the welcome benefit is applicable only for paid cards<\/li>\n\n\n\n<li><strong>Rewards:<\/strong>\n<ul class=\"wp-block-list\">\n<li>5 EDGE Miles per \u20b9100 spent on Axis Bank Travel EDGE website and on direct airline spends<\/li>\n\n\n\n<li>2 EDGE Miles per \u20b9100 on all other eligible spends<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Eligibility:<\/strong> Indian citizen between 18 to 70 years of age. The further eligibility depends on the bank and the profile of the applicant.<\/li>\n<\/ul>\n\n\n\n<p>To apply for the card, please visit the <a href=\"https:\/\/bitli.in\/q0bgVb2\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Official Website<\/strong><\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-sbi-card-prime\" style=\"font-size:18px\"><strong><a href=\"https:\/\/bitli.in\/SzFMZP3\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">SBI Card PRIME<\/a><\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><a href=\"https:\/\/bitli.in\/SzFMZP3\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/SBI-Card-PRIME-Credit-Card-1024x683.jpg\" alt=\"SBI Card PRIME Credit Card\" class=\"wp-image-1962\" style=\"width:450px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/SBI-Card-PRIME-Credit-Card-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/SBI-Card-PRIME-Credit-Card-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/SBI-Card-PRIME-Credit-Card-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/a><\/figure>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\"><\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining Fee:<\/strong> \u20b92,999 + taxes\u00a0<\/li>\n\n\n\n<li><strong>Annual Fee:<\/strong> \u20b92,999 + taxes\u00a0<\/li>\n\n\n\n<li><strong>Fee Waiver:<\/strong> Waiver of renewal fee on annual spends of \u20b93,00,000 or more<\/li>\n\n\n\n<li><strong>Lounge Access:<\/strong> 8 complimentary domestic lounge visits per year, and 4 complimentary international lounge visits via Priority Pass per year<\/li>\n\n\n\n<li><strong>Interest-free period:<\/strong> Up to 50 days (subject to merchant claim submission and no prior outstanding)<\/li>\n\n\n\n<li><strong>Welcome benefit:<\/strong> Welcome e-Gift Voucher worth\u202f\u20b93,000<\/li>\n\n\n\n<li><strong>Rewards:<\/strong>\n<ul class=\"wp-block-list\">\n<li>20 Reward Points per \u20b9100 spent on your birthday, capped at 2,000 points per calendar year<\/li>\n\n\n\n<li>10 Reward Points per \u20b9100 on Dining, Groceries, Departmental stores, and Movies<\/li>\n\n\n\n<li>2 Reward Points per \u20b9100 on all other retail spends, excluding fuel<\/li>\n\n\n\n<li>Redemption rate: 4 Reward Points = \u20b91<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Eligibility:<\/strong> Indian citizen between 21 to 70 years of age, salaried or self-employed. The further eligibility depends on the bank and the profile of the applicant.<\/li>\n<\/ul>\n\n\n\n<p>To apply for the card, please visit the <a href=\"https:\/\/bitli.in\/SzFMZP3\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Official Website<\/strong><\/a><\/p><div class=\"trade-content-2\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1516142341\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/get\/voltmoney\/\" rel=\"noopener\" class=\"a2t-link\" aria-label=\"LAMF3 300_250 (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/LAMF3-300_250-1.png\" alt=\"\"  width=\"300\" height=\"250\"   \/><\/a><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also read:<\/strong> <a href=\"https:\/\/tradebrains.in\/money\/roarbank-vs-hdfc-millennia-credit-card-which-card-offers-an-interest-free-credit-period-of-up-to-62-days\/\" target=\"_blank\" rel=\"noreferrer noopener\">Roarbank vs HDFC Millennia Credit Card: Which Card Offers an Interest-Free Credit Period of Up to 62 Days?<\/a><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-comparison-table\" style=\"font-size:22px\"><strong>Comparison Table<\/strong><\/h2>\n\n\n<div id=\"footable_parent_8432\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_0\" data-footable_id=\"8432\" data-filter-delay=\"1000\" aria-label=\"Mutual Fund - Sheet1 (25).csv\"            id=\"footable_8432\"\n           data-unique_identifier=\"ninja_table_unique_id_1023825162_8432\"\n           class=\" foo-table ninja_footable foo_table_8432 ninja_table_unique_id_1023825162_8432 ui table  ninja_search_right nt_type_ajax_table selectable striped compact vertical_centered  footable-paging-right ninja_table_search_disabled\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                            <col class=\"ninja_column_3 \">\n                            <col class=\"ninja_column_4 \">\n                    <\/colgroup>\n            <\/table>\n    \n    \n    \n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\" style=\"font-size:22px\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>The HDFC Regalia Gold\u2019s May 2026 revision puts the users in a tough spot to consider other alternatives. The HDFC Millennia remains the smartest low-fee card for online shoppers, the Axis Horizon is best suited for frequent travellers, and the SBI Card PRIME stands out for people who are lifestyle spenders wanting dining rewards, birthday bonuses, golf access and priority pass.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Written by Jahnavi<\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: Effective 15th May 2026, HDFC Bank revised the benefits on its Regalia Credit Card, reducing the reward rate and attaching a quarterly spend condition to domestic lounge access. This article explains what changes and which cards now are the best alternatives. The HDFC Regalia Gold Credit Card was regarded as one of the best [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":3044,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[10,14],"tags":[],"ppma_author":[3062],"class_list":["post-8425","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-trending"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>HDFC Regalia Gold Got Devalued: 3 Best Alternative Cards With Better Perks and Higher Rewards to Consider<\/title>\n<meta name=\"description\" content=\"Effective 15th May 2026, HDFC Bank revised the benefits on its Regalia Credit Card, reducing the reward rate and attaching a quarterly spend condition to domestic lounge access. 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This article explains what changes and which cards now are the best alternatives.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/tradebrains.in\/money\/hdfc-regalia-gold-got-devalued-3-best-alternative-cards-with-better-perks-and-higher-rewards-to-consider\/\" \/>\n<meta property=\"og:site_name\" content=\"Trade Brains Money\" \/>\n<meta property=\"article:published_time\" content=\"2026-05-15T07:14:26+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-15T07:14:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/01\/HDFC-Regalia-Gold-Credit-Card.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"854\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jahnavi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"HDFC Regalia Gold Got Devalued: 3 Best Alternative Cards With Better Perks and Higher Rewards to Consider\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jahnavi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/tradebrains.in\/money\/hdfc-regalia-gold-got-devalued-3-best-alternative-cards-with-better-perks-and-higher-rewards-to-consider\/\",\"url\":\"https:\/\/tradebrains.in\/money\/hdfc-regalia-gold-got-devalued-3-best-alternative-cards-with-better-perks-and-higher-rewards-to-consider\/\",\"name\":\"HDFC Regalia Gold Got Devalued: 3 Best Alternative Cards With Better Perks and Higher Rewards to Consider\",\"isPartOf\":{\"@id\":\"https:\/\/tradebrains.in\/money\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/tradebrains.in\/money\/hdfc-regalia-gold-got-devalued-3-best-alternative-cards-with-better-perks-and-higher-rewards-to-consider\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/tradebrains.in\/money\/hdfc-regalia-gold-got-devalued-3-best-alternative-cards-with-better-perks-and-higher-rewards-to-consider\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/01\/HDFC-Regalia-Gold-Credit-Card.jpg\",\"datePublished\":\"2026-05-15T07:14:26+00:00\",\"dateModified\":\"2026-05-15T07:14:29+00:00\",\"author\":{\"@id\":\"https:\/\/tradebrains.in\/money\/#\/schema\/person\/f7b3b43da230e77880bc48340be78070\"},\"description\":\"Effective 15th May 2026, HDFC Bank revised the benefits on its Regalia Credit Card, reducing the reward rate and attaching a quarterly spend condition to domestic lounge access. 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