Compare : HDFC Regalia Credit Card vs SBI Card ELITE

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Complimentary e-gift voucher worth Rs. 5,000 on joining from any brand of choice among Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion or Shoppers Stop

4 reward points per Rs. 150 spent on all retail spends

5X rewards on dining, departmental stores & grocery spends

2 reward points per Rs. 100 on all other spends, except fuel

4 Reward Points = Rs. 1

Up to 8 complimentary airport lounge visits within India and up to 6 lounge access per year outside India via Priority Pass

2 domestic airport lounge visits per calendar quarter and 6 international lounge visits in a year

Good reward rate across all categories

Multiple redemption options

Complimentary lounge access

Low forex mark-up fee

Accelerated rewards on everyday spends like grocery, dining and departmental store purchases

Good lounge access benefit at domestic as well as international airports

Complimentary movie tickets worth Rs. 6,000 every year

Low forex mark-up fee of 1.99%

Lounge access is subject to reaching spend milestones

Spend threshold for milestone benefits is too high

Base reward earning rate is low for transactions outside the accelerated category

Reward redemption rate stands quite low at Rs. 0.25

No travel benefits other than complimentary lounge access

People who can satisfy the fee waiver and lounge access spending conditions to make the most of the card features and those who frequently dine out

People who often watch movies and are frequent air travelers so that they can utilise the travel membership benefits