AU Bank LIT Credit Card vs HDFC Regalia Credit Card

Joining Fees

₹0

₹2,500

Editor's Rating

2.75

4

Key Features

  • Gain 10X or 5X reward points on all online domestic and international retail transactions
  • Gain 10X or 5X reward points on all POS and contactless offline domestic and international transactions
  • Avail 1 Reward Point per Rs. 100 spent on utility spends (Up to 100 reward points per transaction)
  • Avail 1 Reward Point per Rs. 100 on other spends including insurance
  • Cardholders will earn a maximum of 25,000 reward points in a statement cycle, excluding utility spends
  • Avail 1% fuel surcharge waiver on fuel transactions between Rs. 400 to Rs. 5,000
  • Milestone Cashback: Cardholders can earn up to 5% and 2% cashback on retail spending as per the following details:
    a. Gain 5% cashback 3 times over a 90-day period for retail spends in addition to 1 Reward Point per Rs. 100 spent
    b. Minimum retail spends of Rs. 7,500 and a maximum cashback of Rs. 500 over a period of 30 days
    c. Gain 2% cashback 3 times over a 90-day period, for retail spends in addition to 1 Reward Point per Rs. 100 spent
    d. Minimum retail spends of Rs. 10,000 & a maximum cashback of Rs. 1,000 over a period of 30 days
  • Additional 5% cashback for grocery and apparel spends in addition to 1 Reward Point per Rs. 100 spent
  • Maximum cashback of Rs. 1,000 per category over a period of 30 days
  • Avail up to 4 complimentary domestic lounge visits per 90 days
  • Avail 3 months membership of ZEE5 
  • Avail 3 months membership of Amazon Prime
  • Avail 3 months membership of Cult pass Live subscription for home live workouts
  • Zero lost-card liability 
  • Credit Shield can be availed up to Rs. 1.5 lakhs
  • Complimentary Airport Lounge Access within India: Lounge access program will now be based on the credit card spends. Spend Rs. 1 Lakh or more in a calendar quarter (Jan-Mar | Apr-Jun |Jul-Sept | Oct-Dec). Choose up to 2 complimentary lounge access vouchers as your Quarterly Milestone Benefit
  • International Lounge access using priority pass is not based on spends: Cardholders can apply for Priority Pass once they complete minimum 4 retail transactions on the card. Do note that Rupay cards are not eligible for priority pass. Using Priority Pass, avail up to 6 Complimentary Lounge Access per calendar year, outside India 
  • 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs. 400 and Rs. 5000
  • Enjoy dining benefits with the Good Food Trail program: Get up to 7.5% savings on all restaurant bill payments via Swiggy Dineout (20k+ restaurants). This offer is inclusive of Restaurant and Swiggy Discount, and valid only on payments done via the Swiggy App
  • Zero Lost card liability
  • Foreign Currency Markup: 3.5% on all foreign currency spends
  • Get Revolving Credit at nominal interest rate
  • 24/7 Concierge Services
  • Milestone Benefit: Avail 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs and additional 5,000 Reward Points when achieving annual spends of Rs. 8 lakhs in an anniversary year
  • Spend Rs. 3L in 12 Months and get Renewal Fee waived for next renewal year
  • Convert big spends into EMI after purchase
  • Accidental air death cover worth Rs. 1 Crore
  • Emergency overseas hospitalization up to Rs. 15 lakhs
  • Lost Card Liability Cover : Up to Rs 9 lakhs  
  • On retail spends including Insurance, earn 4 reward points on Rs. 150
  • Get 10,000 Reward Points on annual spends of Rs. 5 lakhs
  • Get additional 5,000 Reward Points on annual spends of Rs. 8 lakhs

Editor's Review

Pros

* Cardholders get the ability to customize features
* Avail 5% cashback on day-to-day categories
* Complimentary Amazon Prime, ZEE5 and Cult Fit memberships
* Accelerated rewards on online and offline spends

Cons

* No reward points on fuel and EMI spends
* The card has complicated feature-wise pricing structure

Pros

  • Earn 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs.
  • Accidental air death cover worth Rs. 1 Crore
  • Fuel Surcharge Waiver

 

Cons

  • Slightly high Annual Fee
  • No golf/coaching sessions


More comparisions with AU Bank LIT Credit Card

More comparisions with HDFC Regalia Credit Card

Downloads