IndiGo IDFC FIRST Dual Credit Card vs HDFC Regalia Credit Card

Option 1 (With Fees): 

• Joining fee: Rs.: 4,999 + GST
• Welcome Benefits of 8,000 BluChips

- 5000 IndiGo BluChips voucher + IndiGo meal voucher on joining fee payment

- 3000 IndiGo BluChips voucher on Rs. 1 Lakh spends within 90 days

• Complimentary 3 Month EazyDiner Membership

• Milestone Benefits: Vouchers of up to 25,000 IndiGo BluChips, every year

-Get 5 vouchers of 5,000 BluChips each on crossing Rs. 2L, Rs. 5L, Rs. 8L, Rs. 10L, and Rs. 12L annually

• Annual Fee Rs. 4,999 +GST (2nd year onwards)
• Earn up to 22 IndiGo BluChips/Rs. 100 on IndiGo Web & App

• 6 on Card & Up to 16 from IndiGo (based on tier

• Get 3/Rs. 100 on dining, entertainment & other spends

• 0.5/Rs. 100 on other UPI, rent, utility, fuel and wallet

• Power of 2 Card Networks: Enjoy convenience of UPI with the RuPay Card & International acceptance with Mastercard and benefits provided by both networks
• Annual Fee Payment Benefit: Get Voucher of 5000 IndiGo BluChips and a complimentary IndiGo meal voucher on payment of annual fees
• Free Trip Cancellation cover: Avail reimbursed for non-refundable flight and hotel cancellations for up to Rs. 25,000 twice a year
• Forex MarkUp 1.49%: Enjoy low forex markup of 1.49% for international spends
• Redeem Your BluChips: Use the BluChips for IndiGo Flights

Option 2 (With FD):

• Free for the first year with min Rs. 1 Lakh FD
• Welcome Benefits include getting 3000 IndiGo BluChips voucher on Rs. 1 Lakh spends within 90 days, and Complimentary 3 Month EazyDiner Membership
• Assured approval - Fixed deposit backed card and no credit history needed
• Milestone Benefits: Vouchers up to 25,000 IndiGo BluChips every year

-Get 5 vouchers of 5,000 BluChips each on crossing Rs. 2L, Rs. 5L, Rs. 8L, Rs. 10L, and Rs. 12L annually

• Annual Fee Rs. 4,999 +GST (2nd year onwards)
• Earn up to 22 IndiGo BluChips/Rs. 100 on IndiGo Web & App

• 6 on Card & Up to 16 from IndiGo (based on tier)

• Get 3/Rs. 100 on dining, entertainment & other spends

• 0.5/Rs. 100 on other UPI, rent, utility, fuel and wallet

• Power of Dual Cards: Enjoy convenience of UPI with the RuPay Card & International acceptance with Mastercard and benefits provided by both networks
• Annual Fee Payment Benefit: Get Voucher of 5000 IndiGo BluChips and a complimentary IndiGo meal voucher on payment of annual fees
• Free Trip Cancellation cover: Get reimbursed for non-refundable flight and hotel cancellations for up to Rs. 25,000 twice a year
• Forex MarkUp 1.49%: Enjoy low forex markup of 1.49% for international spends
• Redeem your Indigo Bluechips: Use the IndiGo BluChips for IndiGo Flights

Mastercard World Privileges:

• Seamless online & POS transactions globally
• Exclusive travel and dining benefits
• 4 complimentary golf rounds and 12 complimentary golf lessons every year

RuPay Privileges:

• Seamless online, POS & UPI QR transactions in India
• Scan and pay at 60Mn+ merchants
• Enjoy exclusive discounts on the RuPay network

• 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

• IndiGo loyalists can take great advantage of this card as they can earn BluChips for spending through the airline’s website and app
• 4 complimentary golf rounds and 12 complimentary golf lessons every year
• Enjoy exclusive discounts on the RuPay network

Cons

• No complimentary airport lounge access although being a travel card
• No lifestyle benefits on non-travel spending categories
• No complimentary BluChip is offered along with the card

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