Compare AU Nomo Credit Card vs HDFC Regalia Credit Card

Welcome Benefit: Begin the journey with NOMO FD Credit Card by earning 500 Reward Points on the very first transaction within 30 days of card setup
Earn 2 Reward Points for every Rs. 100 spent on retail purchases and 1 Reward Point for every Rs. 100 spent on utility and insurance transactions. Do note that Cash, Rent, Education & Govt, EMI, Fuel, BBPS and Quasi Cash transactions are not eligible for Reward Points. Cardholders can earn a maximum of 100 Reward Points per transaction on Utility & Telecom spends
Milestone Benefits: In a quarter, cross Rs. 25,000 retail spends and get 500 Reward Points plus receive an additional 500 Reward Points on retail spends of Rs. 50,000 in a quarter. Fuel and Cash transactions will not be considered for Milestone benefit calculation
Lower Forex Markup of just 0.99%
2 Complimentary access to Domestic Airport Lounges per quarter upon achieving Rs. 20,000 spends in calendar quarter
Railway Lounge Access: Recharge before the journey with 2 Complimentary Railway Lounge visits per calendar quarter. Do note: add-on cardholders can also enjoy Railway Lounge Access within the mentioned complimentary number of visits
1% Fuel Surcharge Waiver for transactions between Rs. 400 and Rs. 5,000 at fuel stations across India (up to Rs. 100 per statement cycle)
Redeem the Reward Points for a variety of benefits, including e-vouchers, merchandise, mobile / DTH recharges, and flight / hotel bookings from AU Bank’s curated rewards catalogue
Zero liability on any fraudulent transactions made with card after reporting the loss to the bank
Get protected against Card Counterfeit/Skimming and Online frauds
Contactless Card Usage: Tap and pay at participating merchants without entering your PIN for transactions up to Rs. 5,000
Convert transactions worth Rs. 2,000 or more into easy EMI options with a simple call to the bank

Avail 4 Reward Points on every Rs.150 spent on all retail spends including Insurance
Zero Lost card liability
Foreign Currency Markup : 3.5% on all foreign currency spends
Enjoy Revolving Credit on the credit card at nominal interest rate
24/7 Concierge Services
Complimentary Airport Lounge Access within India: The lounge access program is be based on credit card spends. Spend Rs.1 Lakh or more in a calendar quarter (Jan-Mar | Apr-June | Jul-Sept | Oct-Dec). Avail up to 2 complimentary lounge access vouchers as part of quarterly milestone benefit
Priority Pass: Lounge access outside India using priority pass is not based on spends. Apply for Priority Pass for self and add on members once you have completed minimum 4 retail transactions. Using Priority Pass, cardholder and the add on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India. If exceeded the 6 Complimentary visits, there will be a charge of US $27 + GST per visit. Guests accompanying the primary card holder must have an Add-on credit card with their own Priority Pass
1% fuel surcharge waiver at fuel stations across India on minimum transaction of Rs. 400 and maximum transaction of Rs. 5000
Enjoy dining benefits with the Good Food Trail program: Avail up to 7.5% savings on all restaurant bill payments via Swiggy Dineout (20k+ restaurants). The offer is inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done via the Swiggy App
Milestone Benefit: Obtain Bonus 10,000 Reward Points when making spends of Rs. 5 lakhs in the anniversary year. Earn additional 5,000 Reward Points when spending Rs. 8 lakhs spends in the anniversary year
Renewal fee waived off if spends exceeds more than Rs. 3 Lakhs in the previous year
HDFC Bank Regalia Credit Card provides the option to convert big spends into EMI after purchase
The credit card is enabled for contactless payments
Accidental air death cover worth Rs. 1 Crore
Emergency overseas hospitalization: Up to Rs. 15 lakhs
Lost Card Liability Cover : Up to Rs 9 lakhs

Pros

Low forex markup charge of 0.99%
Insurance and utility spends are also rewarded with this card
2 Complimentary access to Domestic Airport Lounges

Cons

NOMO Card is good for beginners, but for those seeking higher features should seek elsewhere
No dining or movie benefits
No complimentary international airport lounge access

Pros