Compare Tata Neu Infinity SBI Credit Card vs HDFC Regalia Credit Card

Welcome benefits include getting 1,499 NeuCoins worth Rs. 1,499 on Tata Neu app on payment of joining fee
Redeem these coins on Tata New App/Website and partner Tata Brands
Avail 5% Value Back as NeuCoins on non-EMI spends at the Tata Neu App / Website and partner Tata brands
Extra 5% value-back as NeuCoins on select category spends at Tata Neu app/Website
1.5% value-back as NeuCoins on other spends
1.5% value-back as NeuCoins on UPI spends (on the RuPay Variant)
Low forex markup fee of 1.99%
8 complimentary domestic lounge visits every year (Max. 2 per quarter) on spending Rs. 75,000 in the previous quarter
Complimentary Priority Pass Membership along with 4 complimentary international airport lounge accesses per year (1 per quarter)
Post complimentary visits, a usage fee of $27 + applicable taxes will be charged per Priority Pass lounge visit
Priority Pass and complimentary membership is valid for 2 years only
1% fuel surcharge waiver, on every transaction between Rs. 500 and Rs. 4,000
Annual fee waiver on spending Rs. 3 Lakh in a year
Withdraw cash from over 1 million Visa, Mastercard or American Express ATMs across the globe
Convert eligible purchases into easy monthly EMIs. This is applicable on transactions of Rs. 2,500 or more
Pay electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
Transfer outstanding balances of other banks’ credit cards to the Tata Neu Infinity SBI Card at a lower interest rate and repay in easy EMIs

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
* Complimentary domestic and international lounge access
* 1.5% value-back as NeuCoins on other spends, and 1.5% value-back as NeuCoins on UPI spends (on the RuPay Variant)
* Welcome benefits

Cons
* No Golf Benefits
* No movie benefits
* Reward redemption is limited to Tata Neu and its partner brands

Pros