Compare IDFC First WOW! Credit Card vs HDFC Regalia Credit Card

Lifetime free credit card - No joining fee/annual fee
Get up to 4x Reward Points on every transaction
Unlimited never expiring reward points as good as cash
Insurance premium payments and Utility bill payments will earn 1X reward points
Enjoy travelling around the world with the best-in-class zero Forex Mark-up fee
Zero interest charges on ATM cash withdrawals for up to 45 days
Zero Currency Exchange Hassles
Avail up to Rs. 25,000 card liability cover, Rs. 2 lakh personal accident insurance, and Rs. 25,000 purchase protection
Complimentary Roadside Assistance, Personal Accident Cover, and Feul Surcharge Waiver
1% Fuel Surcharge Waiver
Withdraw cash up to 100% of FD value
Instantly Increase the Credit Limit- Instantly enhance it by securing an additional Fixed Deposit, starting from Rs. 5,000
Earn 4X Reward Points on every travel spend
Up to 3X reward points on all UPI spends
Credit limit minimum 100% of the FD Value
No credit history required
No income proof required
Instant Card Issuance
Discover discounts across 1500+ resturants and retailers
Get discount across 300+ merchants and 1500+ resturants
Credit shield protection against theft and fraud
Access to exclusive VISA offers across the globe

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