IndusInd Bank PAYBACK Credit Card vs HDFC Regalia Credit Card

• Welcome Gift includes getting rewarded with 1000 PAYBACK points as a Welcome Bonus and availing 10% Discount at Big Bazaar, Central, e-Zone, FBB, Brand factory & more with complimentary Future Privilege Membership
• 1% fuel surcharge across all petrol pumps in India
• Auto assist
• Complimentary personal air accident insurance cover of up to Rs 25 lakh
• Avail ‘Total Protect’ facility which is a first-of-its-kind program that covers the individual for an amount equal to the credit limit on its card 

• 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

• Avail exciting rewards on dining, shopping, entertainment and more: 

1. Get 5 PAYBACK Points on every Rs.100 spent on groceries and shopping
2. Relish 5 PAYBACK Points on every Rs.100 spent on dining delights
3. Get 20 PAYBACK Points on every Rs. 100 spent on movie bookings
4. While buying utilities, purchasing insurance and other miscellaneous items, except fuel, get 2 PAYBACK Points on every Rs. 100 spent

• Gain privileges of doing free shopping when redeeming PAYBACK Points. Categories for this include movie tickets on BookMyShow.com, grocery from Big Bazaar, a shopping voucher from VoucherWorld, or for any product of the cardholder’s choice from the PAYBACK Rewards Catalogue and more
• Avail 500 PAYBACK Points on spending Rs. 20,000 or more in a month. Avail 4000 PAYBACK Points on spending Rs. 2,00,000 or more in a membership year

Cons

• No Airport Lounge Access 
• No Golf Privileges 

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