Axis Bank Shoppers Stop Credit Card vs HDFC Regalia Credit Card

• Renewal fee will get waived for cumulative spend of Rs. 1 Lakh and above
• Avail unlimited 20 First Citizen accelerated points for every Rs. 200 spent on private label brands of Shopper’s Stop
• Avail unlimited 12 First Citizen accelerated points for every Rs. 200 spent on beauty products and other brands at Shopper’s Stop
• Avail unlimited 2 First Citizen points earned on every Rs. 200 spent elsewhere
• Reward points will get credited directly to the cardholder’s First Citizen Loyalty account
• Enjoy a 15% instant discount on EazyDiner with Axis Bank Shoppers Stop Credit Card
• Maximum discount is capped at Rs. 500 per month
• Offer is applicable on a minimum order value of Rs. 2500
• Get 15% instant discount on EazyDiner. The maximum discount is capped at Rs. 500 per month and this offer is applicable on a minimum order value of Rs. 2500
• Avail 1% fuel surcharge on fuel purchases at all fuel outlets in India. This is valid on transactions between Rs. 400 to Rs. 5000

• 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

Pros

• No redemption fee, customers can easily redeem points without paying any additional fees
• Renewal fee will get waived on spending of Rs. 1 lakh or more in the previous year
• Welcome benefits

Cons

• No railway lounge access
• No airport lounge access
• Reward points are limited to Shoppers Stop outlets online/offline only

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