LIC Axis Bank Signature Credit Card vs HDFC Regalia Credit Card
Joining Fees
₹0
₹2,500
Editor's Rating
4
4
Key Features
- Avail 2 Reward points for every Rs. 100 spent on LIC Premium payment and foreign currency transactions
- Avail 1 Reward point for every Rs. 100 spent on all other transactions except wallet load, fuel, and EMI conversions
- 8 complimentary domestic airport lounge access per calendar year at selected domestic airports
- Complimentary lost card liability insurance cover up to credit limit
- 1% fuel surcharge waiver on all fuel transactions in India. This is valid on transactions between Rs. 400 to Rs. 4000
- Get up to 20% off at over 4,000 restaurants in India
- Now you can easily convert any transactions of Rs. 2,500 and above into EMIs
- Wednesday Delight Offer: Get up to 15% on flights and hotels via Goibibo and Makemytrip, 10% off on orders via Swiggy and Amazon Fresh, 10% off up to Rs. 1000 on Tira
- 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
- Avail 2 Reward points for every Rs. 100 spent on LIC Premium payment and foreign currency transactions
- 8 complimentary domestic airport lounge access per calendar year
- Complimentary lost card liability insurance cover up to credit limit
Cons
- No golf benefits are provided
- No international airport lounge access
- No Spend Based Waiver
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
