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IRCTC RBL Bank Credit Card vs HDFC Regalia Credit Card

Joining Fees

₹500

₹2,500

Editor's Rating

3.8

4

Key Features

  • Level up the travel with up to 40X benefits! The card has annual fee of Rs. 500, so the cardholder can end up with benefits worth up to Rs. 20,000 annually by shopping, dining, travel bookings, and more with this Card. That’s 40 times the value of the annual fee
  • Redeem the Reward Points directly on IRCTC at incredible value - 1 Reward Point = Rs. 1
  • Navigate the daily commutes effortlessly at metro and bus stations by simply tapping the card
  • Enjoy a seamless payment process by using UPI, simply scan and pay for a smooth transaction process
  • 8 complimentary (2 visits per quarter) lounge access at railway stations
  • Enjoy Rs. 5,000 cancellation protection in case a train is cancelled at the last minute
  • Transaction charges of 1% will be reversed on IRCTC RBL Bank Credit Card. Max Rs. 200 surcharge waiver per month on transaction up to Rs. 5,000
  • Get 5 Reward Points per Rs. 200 spent on train ticket bookings via the IRCTC website or App
  • Get 3 Reward Points per Rs. 200 swiped on FASTag recharge from RBL Bank Digital Channels/NCMC Reload/UTS App
  • Along with getting rewards on train tickets, cardholder can also avail 2 Reward Points per Rs. 200 spent on booking flights, hotels and cruises from the IRCTC website or App
  • Get 1 Reward Point per Rs. 200 spent everywhere
  • 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

  • 8 complimentary (2 visits per quarter) lounge access at railway stations and get Rs. 5,000 cancellation protection in case a train is cancelled at the last minute
  • Avail 2 Reward Points per Rs. 200 spent on booking flights, hotels and cruises from the IRCTC website or App
  • Welcome benefits

Cons

  • No dining or movie benefits
  • No golf benefits
  • No international/domestic airport lounge access

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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