Compare : HDFC Regalia Gold Credit Card vs Equitas Selfe Credit Card

Complimentary Swiggy One & MMT Black Elite memberships

Free gift voucher worth Rs. 2,500

Complimentary memberships of any 2 platforms: Amazon Prime, Jio Hotstar, Sony Liv, Zee5 or Discovery+

4 reward points on every Rs. 150 spent

20 reward points on every Rs. 150 spent at Marks & Spencer, Myntra, Reliance Digital, Nykaa

1 Reward Point = Up to Rs. 0.65

10 reward points per Rs. 100 spent on any 2 categories: Apparel, Dining, Grocery, Utility or Taxi

2 reward points per Rs. 100 spent on other categories

12 complimentary lounge access within India and 6 complimentary lounge access per calendar year outside India

1 complimentary domestic lounge visit every quarter

5X rewards on Nykaa, Myntra, Marks & Spencer, and Reliance Digital

Rewards on generally-excluded categories like insurance, utilities and education

Multiple redemption options with good redemption value

Travel benefits like Priority Pass Membership, complimentary lounge access, flight vouchers, etc.

Vouchers worth Rs. 16,000 in a year as milestone benefits

Low foreign exchange mark-up fee of 2%

5X rewards on everyday categories

Complimentary memberships of popular platforms

No joining fee for the first year

Up to Rs. 3,000 savings on fuel every year

4 complimentary domestic lounge visits every year

Accelerated earning is limited to select brands only

Low redemption value on product/voucher purchase and cash conversion

High spending threshold to make the most of milestone benefits=

High forex markup fee of 3.5%

Low reward rate of 0.7% on other spends

Easily achievable spending milestone for annual fee waiver

People looking for an all-rounder credit card with inclined benefits on travel and partnered shopping brands like Marks & Spencer, Myntra, Nykaa, etc.

Consumers looking for a customizable credit card offering accelerated benefits on everyday spends