HDFC Regalia is possibly the most popular card by HDFC Bank offering mainly travel and reward benefits whereas Citi PremierMiles is one of the best travel credit cards in India. While Regalia offers value-back to its users in the form of reward points, the Citi Credit Card gives air miles for all kinds of expenditures. So, if given a choice between the two, which one should you go for? The answer depends on how you intend to use the card as it will define whether you would be able to maximize the benefits on each.
Here is a detailed comparison of HDFC Regalia versus Citi PremierMiles to help you choose.
HDFC Regalia Vs. Citi PremierMiles: Key Highlights
|HDFC Regalia||Citi PremierMiles|
|Best Suited For||Rewards and Travel||Travel (Air Miles)|
|Base Reward Rate||4 reward points per Rs. 150 spent||4 Air Miles per Rs. 100 spent|
|Annual Fee||Rs. 2,500||Rs. 3,000|
|Lounge Access||12 domestic lounge visits and 6 international lounge visits in a year (under Priority Pass Program)||8 domestic lounge visits in a quarter (for Mastercard) and 6 domestic lounge visits per quarter (for Visa)|