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IDFC FIRST Select Credit Card vs HDFC Regalia Credit Card

Joining Fees

₹0

₹2,500

Editor's Rating

2.75

4

Key Features

  • 2 complimentary visits to domestic airport lounges every quarter
  • Low forex markup fee at just 1.99%
  • Free trip cancellation cover up to Rs. 10,000- Get reimbursed up to Rs. 10,000 on non-refundable hotel and flight cancellations
  • Complimentary railway lounge visits- 4 complimentary visits to lounges at select Indian railway terminals
  • Buy-1-Get-1 movie ticket offers- Use the 'Buy One, Get One' discount, up to Rs. 125, on the District by Zomato mobile app (valid twice per month)
  • 1% Fuel Surcharge Waiver up to Rs. 300 in a statement cycle at all fuel stations in India on transactions between Rs. 200 and Rs. 5,000
  • Over 300+ merchant offers- Enjoy 300+ brand offers across dining, shopping, travel and more, all year long
  • Air Accident Cover of Rs. 1 Crore
  • Personal Accident Cover of Rs. 5,00,000
  • Lost Card Liability Cover of Rs. 50,000
  • Comprehensive Travel Insurance Cover of USD 300
  • Complimentary Roadside Assistance worth Rs. 1,399- 24/7 roadside assistance during car or two-wheeler emergencies across India
  • VISA Offers are as follows:

a. Airport meet and greet discounts- Enjoy exclusive discounts on meet and greet services at 450+ airports worldwide

b. Airport transfer discounts- Exclusive discounts on limousine services in over 3000 cities across 83 countries

c. Travel concierge at your fingertips- Avail personalized assistance for all travel needs. This service provides a modern, personalized experience for self-booking dining, staycations, flights, and activities

  • MasterCard Offers is as follows: Complimentary golf rounds and lessons- 4 complimentary golf rounds and 12 complimentary golf lessons a year across the globe. Enjoy India Golf Program that includes 4 complimentary rounds of green fees per calendar year (1 round in a 1 calendar month), and 12 complimentary golf lessons per calendar year (1 lesson per calendar month). Enjoy APAC Golf Program that offers 50% Off on Golf rounds or lessons across Australia, Bangladesh, China, Hong Kong, Japan, Macao, New Zealand, South Korea, Sri Lanka, and Taiwan
  • Instant EMI conversion for all online transactions above Rs. 2,500 on the bank’s OTP page
  • Low interest rates (APR)- Starts at just 8.5% per annum
  • Interest-free cash withdrawals from ATMs for up to 45 days. One-time cash withdrawal fee of Rs. 199 + GST is applicable
  • Activate UPI at just Rs. 199- Joining and Annual fee (2nd year onwards) of just Rs. 199 + GST, Limited period offer get 100% cashback up to Rs. 200 i.e. Rs. 50 each on the first 4 UPI transactions, and Earn up to 3X reward points on your spends
  • Enjoy 10X Reward points on incremental spends above Rs. 20,000 per statement cycle and spends done on your birthday
  • Avail 3X Reward Points on spends till Rs. 20,000 in a statement cycle
  • Avail 1X Reward Points on Insurance premium payments and Utility bill payments
  • Convert all transactions above Rs. 2,500 into EMIs
  • 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   

Editor's Review

Pros

  • Get 10X Reward Points on crossing spends of Rs. 20,000 in a statement cycle and on birthdays
  • Get reimbursed up to Rs. 10,000 on non-refundable hotel and flight cancellations
  • 4 complimentary visits to lounges at select Indian railway terminals

Cons

  • No International Airport Lounge access
  • Welcome gift voucher is only provided on spending Rs. 5000 or more within 30 days of card generation
  • No Priority Pass facility

Pros

  • Earn 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs
  • Accidental air death cover worth Rs. 1 Crore
  • Fuel Surcharge Waiver

 

Cons

  • Slightly high Annual Fee
  • No golf/coaching sessions


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