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EazyDiner IndusInd Bank Credit Card VS PNB Rakshak Rupay Select Card VS HDFC Bank INFINIA Metal Credit Card VS HDFC Business Regalia Credit Card

A detailed, side-by-side look at 4 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 3 July 2026
EazyDiner IndusInd Bank Credit Card
EazyDiner IndusInd Bank Credit Card
PNB Rakshak Rupay Select Card
PNB Rakshak Rupay Select Card
HDFC Bank INFINIA Metal Credit Card
HDFC Bank INFINIA Metal Credit Card
HDFC Business Regalia Credit Card
HDFC Business Regalia Credit Card

Fees & Charges

Joining Fee₹2,999 + GST
Joining FeeLifetime Free
Joining Fee₹12,500 + GST
Joining Fee₹2,500 + GST
Renewal Fee₹2,999 + GST
Renewal FeeLifetime Free
Renewal Fee₹12,500 + GST
Renewal Fee₹2,500 + GST
Spend Based WaiverNo spend-based waiver for the annual fee.
Spend Based WaiverAnnual fee waiver is applicable if the card is used once in each quarter.
Spend Based WaiverRenewal fee waived on ₹10 lakhs or more spend in preceding 12 months for Metal Edition.
Spend Based WaiverRenewal fee waived off on spending more than ₹3 Lakhs in the previous anniversary year.
Foreign Transaction Fees3.5%
Foreign Transaction FeesNot Applicable
Foreign Transaction Fees2% + GST (~2.36%) on all foreign currency transactions.
Foreign Transaction Fees3.5% on all foreign currency spends.
Interest Rate (APR)3.83% per month (APR: 45.96%)
Interest Rate (APR)Not Applicable
Interest Rate (APR)1.99% per month (23.8% annualized) on the due amount.
Interest Rate (APR)3.75% per month (45% per annum) on outstanding amounts if not paid by due date.

Rewards & Benefits

Welcome Bonus2,000 EazyPoints, 12-month EazyDiner Prime membership, and a ₹7,500 Postcard Hotel stay voucher.
Welcome BonusReceive 300+ reward points on your first usage of the card.
Welcome BonusComplimentary Club Marriott membership for 1st year & 12,500 bonus Reward Points on activation.
Welcome Bonus
Rewards Rate10 RP/₹100 on Hotel, Travel, Shopping, Entertainment; 4 RP/₹100 on others. 3X EazyPoints on EazyDiner App.
Rewards RateEarn 2X reward points on all retail merchandise purchases.
Rewards RateEarn 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping.
Rewards RateEarn 4 Reward Points on every ₹150 spent on all retail spends, including Insurance and Utilities.
Reward TypeReward Points
Reward TypeReward Points, Cashback
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption FeeNot Applicable
Reward Redemption FeeNil
Reward Redemption Fee₹99 + GST for reward point redemption.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge AccessComplimentary Domestic Lounge Program access.
Domestic Lounge AccessUnlimited complimentary airport lounge access in India for primary and add-on cardholders.
Domestic Lounge Access12 complimentary lounge accesses per calendar year; revised to 8 from April 2025 with ₹1 Lakh spend.
International Lounge Access
International Lounge AccessComplimentary International Lounge Program access.
International Lounge AccessUnlimited complimentary airport lounge access globally via Priority Pass for primary & add-on.
International Lounge Access6 complimentary lounge accesses per calendar year via Priority Pass or directly with Diners/RuPay.
Travel Benefits₹7,500 Postcard Hotel stay voucher. EazyPoints redeemable for free luxury hotel stays.
Travel BenefitsNot Applicable
Travel BenefitsComplimentary Club Marriott & ITC Hotels stay offers; Redeem RP for flights/airmiles on SmartBuy.
Travel BenefitsComprehensive benefits for travel including lounge access, insurance (until April 2025), and flight/hotel redemption.
Movie Benefits10 Reward Points per ₹100 on Entertainment spends.
Movie BenefitsNot Applicable
Movie Benefits
Movie Benefits
Dining BenefitsComplimentary EazyDiner Prime, 25-50% off at 2000+ restaurants, extra 25% off via EazyDiner App.
Dining BenefitsExclusive cashback offers at eateries and restaurants.
Dining BenefitsComplimentary Club Marriott membership; 1+1 buffet at ITC; FLAT 10% EXTRA OFF on Swiggy Dineout.
Dining BenefitsEnjoy FLAT 10% EXTRA OFF on dining bills at 35,000+ restaurants with Swiggy Dineout.
Golf Benefits
Golf BenefitsNot Applicable
Golf BenefitsUnlimited complimentary golf lessons and games at leading courses across India and worldwide.
Golf Benefits
Fuel Surcharge Waiver1% waiver on ₹500-₹3,000 transactions, capped at ₹250/cycle. GST applicable.
Fuel Surcharge WaiverNot Applicable
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹1,00,000, capped at ₹1,000 per statement cycle.
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹5,000, capped at ₹500 per statement cycle.

Security & Other

Insurance Benefits'Total Protect' covers fraudulent use up to credit limit for loss/theft/counterfeit fraud.
Insurance BenefitsComprehensive insurance coverage provided with the card.
Insurance BenefitsAccidental Air Death ₹3 Cr, Emergency Overseas Hospitalization ₹50 L, Credit Shield ₹9 L.
Insurance BenefitsAir Accidental death cover up to ₹1 Crore, Overseas Hospitalization up to ₹15 Lakhs (until April 2025).
Cash Advance Charges2.5% of withdrawn amount, minimum ₹300.
Cash Advance ChargesNot Applicable
Cash Advance ChargesNIL, but interest charges are applicable from the date of cash advance.
Cash Advance Charges2.5% of transaction amount or ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

EazyDiner IndusInd Bank Credit Card

PNB Rakshak Rupay Select Card

HDFC Bank INFINIA Metal Credit Card

HDFC Business Regalia Credit Card

Who is it for?

The EazyDiner IndusInd Signature Credit Card is a premium dining and lifestyle card designed for frequent diners, travelers, and shoppers. It offers substantial dining discounts, valuable welcome and renewal benefits including a complimentary EazyDiner Prime membership and a Postcard Hotel stay voucher. With accelerated reward points on select spending categories, this card provides significant value, especially for those who regularly use the EazyDiner platform and seek luxury travel experiences.

Who is it for?

The PNB Rakshak Rupay Select Card is a feature-rich offering designed with user convenience in mind. It provides a zero joining fee and a conditional annual fee waiver, making it an accessible option for many. Cardholders can enjoy accelerated 2X reward points on retail purchases, complimentary access to both domestic and international lounges, and exclusive cashback deals on everyday expenses like utility bills and dining. This card truly enhances its value with comprehensive insurance coverage and dedicated 24/7 concierge services.

Who is it for?

The HDFC Bank INFINIA Metal Credit Card is a super-premium, invite-only offering designed for high-net-worth individuals. It provides luxurious benefits like unlimited global lounge access, complimentary golf, a 24x7 concierge, and high reward earnings. With its low foreign currency markup and comprehensive insurance, it caters to an uncompromising lifestyle.

Who is it for?

The HDFC Business Regalia Credit Card is a premium offering tailored for business professionals, providing significant benefits across travel, shopping, and dining. It offers 4 Reward Points on every ₹150 spent, alongside extensive domestic and international lounge access. Key features include a renewal fee waiver, comprehensive protection, and flexible EMI options, making it ideal for managing both business and personal expenses effectively.

Pros

Key benefits and features.

Significant dining discounts and benefits, including a complimentary EazyDiner Prime membership.

Valuable welcome and renewal benefits, including a Postcard Hotel stay voucher.

Accelerated reward points on key lifestyle categories like travel, shopping, and entertainment.

Comprehensive fraud protection with the 'Total Protect' program.

Complimentary premium alcoholic beverages at select restaurants.

Pros

Key benefits and features.

Enjoy a zero joining fee and an annual fee waiver based on usage, making it very accessible.

Earn accelerated 2X reward points on all your retail merchandise purchases with this PNB card.

Benefit from complimentary access to both domestic and international airport lounges frequently.

Receive exclusive cashback offers on utility bills, dining, and various daily expenses.

Comprehensive insurance coverage provides enhanced security and peace of mind for cardholders.

Pros

Key benefits and features.

Unlimited lounge access globally for primary and add-on cardholders via Priority Pass membership.

Enjoy unlimited complimentary golf games and coaching at premier courses across the world.

Highly rewarding with 5 Reward Points for every ₹150 spent, up to 10X on SmartBuy.

Valuable welcome & renewal benefits, including bonus RPs & complimentary Club Marriott membership.

Comprehensive insurance benefits, including air accidental death cover and overseas hospitalization.

Pros

Key benefits and features.

Offers a competitive reward rate of 4 points per ₹150 across diverse spending categories.

Provides extensive lounge access: 8 domestic & 6 international visits yearly for cardholders.

Includes valuable insurance benefits like air accidental cover up to ₹1 Crore till April 2025.

Features a renewal fee waiver on annual spends above ₹3 Lakhs, enhancing long-term value.

Offers a flexible interest-free credit period up to 50 days, aiding business expense management.

Cons

Key drawbacks and limitations.

The card comes with relatively high joining and annual fees.

Dining discounts are limited to EazyDiner App payments at select restaurants.

No reward points are earned on dining transactions.

The card does not offer any complimentary lounge access or golf benefits.

Reward points earned with this card have an expiry period of one year.

Cons

Key drawbacks and limitations.

Specific reward redemption options for the PNB Rakshak Rupay Select Card are not detailed.

Foreign currency markup charges and specific interest rates are not specified in the card details.

The annual fee waiver on the PNB Rakshak card requires consistent quarterly usage to avoid charges.

The general 2X reward rate on retail might not be competitive compared to specialized cards.

Detailed information on cash advance charges and fuel surcharge waivers is currently unavailable.

Cons

Key drawbacks and limitations.

The card is strictly invite-only, making it inaccessible to most potential applicants due to rigorous criteria.

Significant joining and renewal fees, though a waiver is possible with very high annual spending.

Reward points have monthly caps on grocery, telecom, and utility transactions, limiting earning potential.

Low cashback redemption value (₹0.30 per point) compared to higher value redemptions for travel.

Cons

Key drawbacks and limitations.

Some key benefits like insurance and business cashback are being discontinued or revised soon.

Domestic lounge access will require a minimum spend of ₹1 Lakh per quarter from April 2025.

High foreign currency markup of 3.5% makes international spends less rewarding for users.

Reward points on groceries are capped at 2,000 per month, limiting benefits in this category.

Welcome benefits are not explicitly offered with the HDFC Business Regalia Credit Card.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for EazyDiner IndusInd Bank Credit Card(opens in new tab)Apply for PNB Rakshak Rupay Select Card(opens in new tab)Apply for HDFC Bank INFINIA Metal Credit Card(opens in new tab)Apply for HDFC Business Regalia Credit Card(opens in new tab)