RBL Bank Freedom SuperCard vs HDFC Regalia Credit Card

* Convert your available cash limit into a Personal Loan for 3 months at no interest, once a year. A processing fee of 2.5% is applicable; min Rs. 500
* Unlimited interest-free withdrawal of available cash limit from all ATMs in India up to the billing date; maximum period of 50 Days. A processing fee of 2.5% is applicable; min Rs. 500
Please Note: W.e.f January 07, 2021, interest @1.16% per month would be applicable on Emergency Advance Facility on your SuperCard and no processing fee would be charged.

* Avail 2,000 Reward Points as welcome rewards on payment of joining fees and minimum spends of Rs. 2,000 within 30 days of card issuance. Theres no welcome rewards given to First Year Free cards
* Avail 100% of FD amount as credit limit on the card
* Avail 75% of the Credit Limit as Cash Limit on the card
* Earn 1 Reward Point for every Rs. 100 spent on all you like
* Earn 2X Reward Points on all online spends, except for online purchases made on Education, Insurance, Utilities (including Bills2Pay) and Wallet Load. The maximum Cap is 1,000 Reward Points
* Avail fuel surcharge waiver of up to Rs. 100 per month
* Get 1+1 Bookmyshow offer on movie tickets on any 1 Day of the month (up to Rs. 200)
* 4 complimentary visit in a year at domestic airport lounges
* Maximum 1 complimentary airport lounge access in a quarter
* Instantly receive cash and pay back in installments with Dial for Cash program. One can also avail a pre-approved loan without blocking the credit limit of its Card. Get advantage of multiple tenure options
* Avail Split n Pay program and convert purchases of Rs. 3,000 or above into EMIs. Have convenience of paying EMIs at low interest rates at a nominal processing fee
* Use the facility of Transfer n Pay program to transfer outstanding from other bank’s Credit Cards to Freedom SuperCard at lower interest rates and convert it into EMIs
* The Xpress Cash is a unique feature which enables you to get instant loan within your credit limit. Pay it back in easy installments and enjoy a host of benefits like document free process and paperless money transfer
* With Cash Advance program, one can satisfy its short-term cash requirements. Avail credit-free period of up to 50 days as an added benefit
* Contactless Transactions: Tap the card and instantly in a convenient way make payments at retail outlets.
* Purchase Limit: Using the tap & pay feature, make payments of up to Rs. 5000 at a time
* Global Acceptance
* Access the cash at any ATM in India or Overseas which displays MasterCard/Visa/Cirrus/Maestro sign
* The card is equipped with a PIN-based-EMV chip

• 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
* Rewards on all spends
* Annual Rewards worth Rs. 11,500+
* Complimentary Lounge Access

Cons
* No golf benefits
* No airmiles

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