Compare : HDFC Regalia Gold Credit Card vs SBI Card PRIME

Complimentary Swiggy One & MMT Black Elite memberships

Free gift voucher worth Rs. 2,500

E-gift vouchers worth Rs. 3,000 from any of the top brands amongst Bata/Hush Puppies, Pantaloons, Shoppers Stop, Yatra, Aditya Birla and more

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 for every Rs. 100 spent on dining, groceries, departmental stores and movies

2 reward points for every Rs. 100 spent on all other retail purchases, except for fuel

20 reward points for every Rs. 100 spent on birthday

Value of 1 Reward Point = Rs. 0.25

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

4 complimentary international lounge visits and 8 complimentary domestic lounge visits in a year

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 reward points on dining, movies, grocery and departmental store spends

Milestone benefits worth Rs. 11,000 in a year on spending Rs. 5 Lakh or more

Complimentary domestic and international lounge visits

Benefits on hotel, golf, dining and more (based on card network)

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=

Low reward redemption value of Rs. 0.25

No other travel benefits except complimentary lounge access

Annual fee of Rs. 2,999 is quite high for the set of benefits offered

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

Frequent travellers and heavy spenders who can maximize the benefit of high reward rate along with other travel features