You are comparing
HDFC Regalia Credit Card
Standard Chartered Platinum Rewards Credit Card
₹ 2,500
₹ 2,500
Waived off on annual spends of Rs. 3 Lakh
₹ 250
₹ 0
Joining fee waiver on spending Rs. 500 or more within 30 days of card issuance
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NA
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NA
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4 reward points per Rs. 150 spent on all retail spends
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5 reward points for every Rs. 150 spent on dining and fuel
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1 reward point for every Rs. 150 spent on other categories
Up to 8 complimentary airport lounge visits within India and up to 6 lounge access per year outside India via Priority Pass
NA
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Good reward rate across all categories
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Multiple redemption options
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Complimentary lounge access
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Low forex mark-up fee
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5X reward points on dining and fuel spends
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No monthly capping on accelerated reward points
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Instant approval without any documentation
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Joining fee waiver with easily achievable spend threshold
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Lounge access is subject to reaching spend milestones
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Spend threshold for milestone benefits is too high
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Low base reward rate on spends other than dining & fuel
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Low reward redemption value of Rs. 0.25 per point
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No travel and lifestyle related benefits
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
Consumers who frequently dine out and want to earn good value-back through reward points