Snake Posted November 28, 2023 Report Share Posted November 28, 2023 So I currently have a hdfc LTF regaila, but just got a option to upgrade to regalia gold, but it’s paid. Is it worth upgrading or should I just stick to ltf regalia Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted November 28, 2023 Report Share Posted November 28, 2023 (edited) 1 hour ago, Snake said: So I currently have a hdfc LTF regaila, but just got a option to upgrade to regalia gold, but it’s paid. Is it worth upgrading or should I just stick to ltf regalia Haha ! Just got the same offer. The only real difference I see is lounge access without payment milestone (vs Regalia) and 5x accelerated points with certain merchants. Else it seems they want to move LTF members to paid options. Remember that Regalia is not accepted at most lounges now (Gold is). With Regalia, you have to spend milestone and get an online voucher for lounge. Edited November 28, 2023 by Bird Bird Bird Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted November 28, 2023 Report Share Posted November 28, 2023 1 minute ago, Bird Bird Bird said: Haha ! Just got the same offer. The only real difference I see is lounge access without payment milestone (vs Regalia) and 5x accelerated points with certain merchants. Else it seems they want to move LTF members to paid options. Remember that Regalia is not accepted at most lounges now (Gold is). With Regalia, you have to spend milestone and get an online voucher for lounge. With RG, you can move your points to more airlines. Other than that, HDFC is trying to move everyone to paid cards, almost everyone got LTF RG to paid DCB and LTF DCB to paid Infinia. That's how you move up the ladder. Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted November 28, 2023 Report Share Posted November 28, 2023 1 minute ago, KunjanPSD said: With RG, you can move your points to more airlines. Other than that, HDFC is trying to move everyone to paid cards, almost everyone got LTF RG to paid DCB and LTF DCB to paid Infinia. That's how you move up the ladder. Unless you're in the airmiles game, you're spending 2500 a year for essentially nothing. Gold does not even do fuel surcharge waiver. Quote Link to comment Share on other sites More sharing options...
Snake Posted November 28, 2023 Report Share Posted November 28, 2023 36 minutes ago, Bird Bird Bird said: Haha ! Just got the same offer. The only real difference I see is lounge access without payment milestone (vs Regalia) and 5x accelerated points with certain merchants. Else it seems they want to move LTF members to paid options. Remember that Regalia is not accepted at most lounges now (Gold is). With Regalia, you have to spend milestone and get an online voucher for lounge. 33 minutes ago, KunjanPSD said: With RG, you can move your points to more airlines. Other than that, HDFC is trying to move everyone to paid cards, almost everyone got LTF RG to paid DCB and LTF DCB to paid Infinia. That's how you move up the ladder. 30 minutes ago, Bird Bird Bird said: Unless you're in the airmiles game, you're spending 2500 a year for essentially nothing. Gold does not even do fuel surcharge waiver. yeah, I dont do much airline travel, most is domestic and maybe 1-2 times a year. Guess I’ll stick with ltf regalia, I dont go to the lounge anyway lol Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted November 28, 2023 Report Share Posted November 28, 2023 1 hour ago, Snake said: yeah, I dont do much airline travel, most is domestic and maybe 1-2 times a year. Guess I’ll stick with ltf regalia, I dont go to the lounge anyway lol You'll will never be able to move up the HDFC cards ladder then. It's a move which you have to make to get better cards. 1 Quote Link to comment Share on other sites More sharing options...
KunjanPSD Posted November 28, 2023 Report Share Posted November 28, 2023 1 hour ago, Bird Bird Bird said: Unless you're in the airmiles game, you're spending 2500 a year for essentially nothing. Gold does not even do fuel surcharge waiver. People who travel business class via their employer have no say. 2 Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted November 28, 2023 Report Share Posted November 28, 2023 13 minutes ago, KunjanPSD said: People who travel business class via their employer have no say. Myth. All myths and lies. 1 Quote Link to comment Share on other sites More sharing options...
Snake Posted November 28, 2023 Report Share Posted November 28, 2023 1 hour ago, KunjanPSD said: You'll will never be able to move up the HDFC cards ladder then. It's a move which you have to make to get better cards. 1 Quote Link to comment Share on other sites More sharing options...
blitzkreiig Posted November 28, 2023 Report Share Posted November 28, 2023 Is it worth getting a Scapia card. They're saying LTF. Are there any hidden charges? Quote Link to comment Share on other sites More sharing options...
Hannibal Posted November 28, 2023 Report Share Posted November 28, 2023 3 hours ago, Snake said: yeah, I dont do much airline travel, most is domestic and maybe 1-2 times a year. Guess I’ll stick with ltf regalia, I dont go to the lounge anyway lol If your monthly spends are more than 50k+ and doing/planning 1 international trip in 2 years then having miles cards help you offset part of travel expenses and even allow you experience luxury for fraction of cost. Based on your credit limit, you can ask for upgrade to DCB too. 1 Quote Link to comment Share on other sites More sharing options...
blitzkreiig Posted November 28, 2023 Report Share Posted November 28, 2023 4 hours ago, Bird Bird Bird said: Haha ! Just got the same offer. The only real difference I see is lounge access without payment milestone (vs Regalia) and 5x accelerated points with certain merchants. Else it seems they want to move LTF members to paid options. Remember that Regalia is not accepted at most lounges now (Gold is). With Regalia, you have to spend milestone and get an online voucher for lounge. I think even Regalia offers some token lounge access or is it completely devalued. Quote Link to comment Share on other sites More sharing options...
Hannibal Posted November 28, 2023 Report Share Posted November 28, 2023 1 minute ago, blitzkreiig said: Is it worth getting a Scapia card. They're saying LTF. Are there any hidden charges? This will answer most of your queries https://creditcardz.in/scapia-credit-card-review-2023/ Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted November 28, 2023 Report Share Posted November 28, 2023 3 minutes ago, blitzkreiig said: I think even Regalia offers some token lounge access or is it completely devalued. You've to get a voucher from their portal after hitting spend milestones. Quote Link to comment Share on other sites More sharing options...
Snake Posted November 28, 2023 Report Share Posted November 28, 2023 53 minutes ago, blitzkreiig said: Is it worth getting a Scapia card. They're saying LTF. Are there any hidden charges? Wanted to know about this too, the no forex thingy will be helpful Quote Link to comment Share on other sites More sharing options...
dante77 Posted November 28, 2023 Report Share Posted November 28, 2023 1 hour ago, blitzkreiig said: Is it worth getting a Scapia card. They're saying LTF. Are there any hidden charges? 59 minutes ago, Snake said: Wanted to know about this too, the no forex thingy will be helpful Yes. I am using it. Pretty good for foreign travel. No forex charge. Reward is pretty decent at 2% on all spends. Since it's LTF, there's no harm. 1 Quote Link to comment Share on other sites More sharing options...
AtheK Posted November 28, 2023 Report Share Posted November 28, 2023 (edited) I have pretty much started using Scapia card now, unlimited lounge access is good as I almost travel once a month and sometimes twice a month. I am thinking of upgrading my Sapphiro card to Emeralde (12K per year) compared to Sapphiro which is LTF card. 12K will give me unlimited domestic & International lounge access and SPA access as well and I can stop using scapia. HDFC and SBI card can just stay for the 10% discounts that come once a year. 12K emeralde also gives me four free tickets in BMS capped to 750 rupees per ticket, that means four IMAX tickets for price of 2 which should cover the monthly charge. ICICI has already given me an option to upgrade just waiting for them to upgrade the offer to Metal card. Edited November 28, 2023 by AtheK Quote Link to comment Share on other sites More sharing options...
dante77 Posted November 28, 2023 Report Share Posted November 28, 2023 1 hour ago, AtheK said: I have pretty much started using Scapia card now, unlimited lounge access is good as I almost travel once a month and sometimes twice a month. I am thinking of upgrading my Sapphiro card to Emeralde (12K per year) compared to Sapphiro which is LTF card. 12K will give me unlimited domestic & International lounge access and SPA access as well and I can stop using scapia. HDFC and SBI card can just stay for the 10% discounts that come once a year. 12K emeralde also gives me four free tickets in BMS capped to 750 rupees per ticket, that means four IMAX tickets for price of 2 which should cover the monthly charge. ICICI has already given me an option to upgrade just waiting for them to upgrade the offer to Metal card. How did you get Sapphiro as LTF? Quote Link to comment Share on other sites More sharing options...
Snake Posted November 28, 2023 Report Share Posted November 28, 2023 29 minutes ago, dante77 said: How did you get Sapphiro as LTF? HNI hone ko mangta 1 Quote Link to comment Share on other sites More sharing options...
Snake Posted November 28, 2023 Report Share Posted November 28, 2023 9 hours ago, Bird Bird Bird said: Haha ! Just got the same offer. The only real difference I see is lounge access without payment milestone (vs Regalia) and 5x accelerated points with certain merchants. Else it seems they want to move LTF members to paid options. Remember that Regalia is not accepted at most lounges now (Gold is). With Regalia, you have to spend milestone and get an online voucher for lounge. Doc, dis it say no joining fee for your upgrade option? Quote Link to comment Share on other sites More sharing options...
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