HDFC Bank RuPay IRCTC Credit Card VS HDFC Bank Regalia First Credit Card VS InterMiles HDFC Bank Platinum Credit Card VS HDFC Bank Regalia Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
HDFC Bank RuPay IRCTC Credit Card
HDFC Bank Regalia First Credit Card
InterMiles HDFC Bank Platinum Credit Card
HDFC Bank Regalia Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Provides an Amazon voucher worth ₹500 as a welcome benefit upon card activation.
Earn 5X Reward Points on IRCTC spends and competitive rates on other retail purchases.
Includes complimentary railway lounge access (8 per year, 2 per quarter).
Allows for a spend-based waiver of the annual renewal fee.
Grants an additional 5% cashback on train ticket bookings via HDFC SmartBuy.
Pros
Key benefits and features.
Earn 5,000 Reward Points on annual spends of Rs. 3 Lakhs or more.
Accumulate up to 7,500 bonus Reward Points annually through milestone benefits.
Comprehensive insurance covers include air accident, hospitalization & credit liability.
Renewal fee waiver available on annual spends exceeding Rs. 1 Lakh.
Pros
Key benefits and features.
Excellent for frequent travelers with InterMiles earnings on flights and hotels.
Complimentary domestic lounge access enhances travel comfort and experience.
Annual fee waiver on achieving a reasonable spend threshold makes it cost-effective.
Attractive welcome benefits including InterMiles and discount vouchers for initial value.
Special discounts and bonus InterMiles on Etihad Airways bookings are a great perk.
Pros
Key benefits and features.
Generous welcome bonus reward points and a competitive reward rate.
Low foreign exchange markup fee of 2% on international transactions.
Complimentary domestic and international lounge access with Priority Pass.
Significant milestone benefits with bonus reward points on annual spending.
Cons
Key drawbacks and limitations.
A minimum of 100 points is required for reward redemption.
Maximum value for reward points is limited to train ticket purchases on HDFC SmartBuy.
A Rewards Redemption Fee of ₹99 + GST applies.
Features a high Foreign Currency Markup of 3.5%.
Carries a high interest rate of 3.75% per month (45% annually) for revolving credit.
Cons
Key drawbacks and limitations.
A reward redemption fee of Rs. 99 is always applicable.
Does not provide any complimentary domestic or international lounge access.
No reward points are earned when making fuel transactions.
The foreign currency markup can be as high as 3.5%.
Cons
Key drawbacks and limitations.
InterMiles are not accrued on fuel transactions, limiting rewards in this category.
High foreign currency markup of 3.5% makes international spending less attractive.
The maximum discount on dining is capped, potentially limiting benefits for high spenders.
Renewal benefits are not applicable if the annual fee is waived, which is a trade-off.
Cash advance charges are relatively high, making cash withdrawals expensive.
Cons
Key drawbacks and limitations.
Other HDFC cards might offer better benefits or redemption options.
Many spend categories like fuel, rentals, and government spends do not earn reward points.
Reward points have an expiry period of 2 years from the date of accumulation.
Domestic lounge access is spend-based, requiring Rs. 1 lakh spend per quarter.