Compare IDFC First Earn Credit Card vs HDFC Regalia Credit Card

Get 1% Cashback on every spend via the IDFC FIRST Bank mobile app
Get 0.5% Cashback on UPI spends via other apps and all online spends. 0.5% cashback on all utility, insurance, and wallet load
Welcome Bonus: 100% cashback, up to Rs. 500, on the 1st UPI spend made within 15 days of card generation and 5% cashback, up to Rs. 1,000, on the 1st EMI transaction value made within 30 days of card set-up
Annual Benefit: Get 100% cashback, up to Rs. 200 (max. Rs. 50 each), on the 1st 4 UPI spends made via IDFC FIRST Bank mobile app within 15 days of annual fee being charged
Convert UPI spends worth a min. of Rs. 2,500 into easy EMIs
25% discount up to Rs. 100 on movie tickets booked on District by Zomato
20% discount across 1,500+ resturants
Complimentary roadside assistance worth Rs. 1,399
Convenience of UPI + Power of Credit at 60+ million merchants
Card Liability Cover of Rs. 25,000, Personal Accident Cover of Rs. 2,00,000, Credit Shield of Rs. 50,000, and Purchase Protection of Rs. 25,000
Surcharge of 1% on payment for Rent and Property Management, subject to a minimum of Rs. 249 (+GST) per transaction
Forex Markup at 3.5% for all international transactions
Utility spends (Electricity, Gas, Telecom etc.) above Rs. 20,000 will attract 1% surcharge (+GST) on the aggregate utility spends in a statement cycle
Earn Bonus Reward Points on booking flights and hotels via 'Travel and Shop' section on IDFC FIRST Bank Mobile App:

A. Bonus 4% cashback on all Flight bookings - Over and above your Credit Card Cashback
B. Bonus 8% cashback on all Hotel bookings - Over and above your Credit Card Cashback
C. Redeem your Reward Points - For flight and hotel bookings

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

Bonus 4% cashback on all Flight bookings, Bonus 8% cashback on all Hotel bookings, and Redeem the Reward Points For flight and hotel bookings
Since the card is on the RuPay network, it can be easily linked to UPI
Get 0.5% Cashback on UPI spends via other apps and all online spends. 0.5% cashback on all utility, insurance, and wallet load

Cons