SBI Platinum International Debit Card VS BOBCARD ETERNA Credit Card VS Axis Bank Magnus Credit Card VS HDFC Bank Regalia Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
SBI Platinum International Debit Card
BOBCARD ETERNA Credit Card
Axis Bank Magnus 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.
Global acceptance for shopping and cash withdrawals, both domestically and internationally.
Comprehensive reward program with bonus points for activation, milestones, birthdays, and international spends.
Complimentary airport lounge access enhances travel experience.
Convenient redemption options for daily expenses, travel, and entertainment.
High daily transaction limits for both ATM withdrawals and PoS/online purchases.
Pros
Key benefits and features.
Fee waivers available for both joining and annual renewal based on spending milestones.
High-value accelerated reward points on key categories like dining, travel & shopping.
Substantial Personal Accidental Death Cover: ₹1 Crore for air, ₹10 Lakhs for non-air.
Competitive 2% foreign currency markup, making international spends more affordable.
Unlimited domestic airport lounge access is provided, with a quarterly spend condition.
Pros
Key benefits and features.
Enjoy unlimited international and domestic airport lounge access, including guest visits.
Benefit from a low foreign currency markup of just 2% on all international transactions.
Receive robust insurance coverage like credit shield of ₹5 Lakhs and purchase protection.
Experience appealing welcome benefits with a gift voucher worth ₹12,500 on joining.
The World Mastercard variant offers exclusive golf privileges, including free rounds and lessons.
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.
No explicit mention of insurance benefits, which are often expected with premium debit cards.
Specific details on foreign currency markup are not provided.
No clear fuel surcharge waiver, only reward points on fuel spends.
Annual and joining fees are not explicitly stated, leading to potential hidden costs.
Airport lounge access is subject to terms and conditions, which are not detailed.
Cons
Key drawbacks and limitations.
Domestic lounge access is conditional on a high ₹40,000 spend in prior quarter.
Previous golf benefits, including games and lessons, have been discontinued from the card.
Accelerated reward points are capped at 5,000 per cycle, limiting high-spenders' benefits.
Cons
Key drawbacks and limitations.
The card has a high annual income requirement of ₹24 Lakhs, limiting accessibility.
Some prior benefits, such as BOGO movie offers, were discontinued as of May 2024.
The reward point earning structure can be quite complex with varied rates and tiers.
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.