Bank Of Maharashtra - SBI Card vs HDFC Regalia First Credit Card

• Bank Of Maharashtra - SBI Card’s Welcome Offer: Avail Rs. 100 cashback on the  first ATM cash withdrawal, if done within 30 days of receiving the card
• Annual membership fee reversal from the second year 
• Get 1 Reward Point on every Rs. 100 as you spend using the Bank of Maharashtra - SBI Card. Use the Reward Points to pay the outstanding balance on the credit card or redeem against a wide array of gifts
• Bank of Maharashtra - SBI Card is accepted in over 24 million outlets across the globe, including 3,25,000 outlets in India
• Withdrawals of cash can be done anytime from over 1 million Visa ATMs worldwide
• Book railway tickets online and they’ll get delivered at your doorstep

• You will receive Welcome Benefit of 1000 Reward Points and renewal benefit of 1000 Reward Points when the membership fee is realized
  In 12 Months, spend Rs. 1,00,000 and get Renewal Fee waived for next renewal year
  Accidental air death cover worth Rs. 50 lakhs
  Emergency overseas hospitalization up to Rs. 10 lakhs
  Credit Liability cover of up to Rs 5,00,000 1% fuel surcharge waiver at fuel stations in India on transactions between Rs.400 and Rs.5000
  Earn 5,000 Reward Points on annual spends of Rs. 3,00,000 or more in each anniversary year
  Avail up to 5% cashback on travel and shopping spends on SmartBuy
  Earn more 2,500 Reward Points on annual spends of Rs. 6,00,000 or more in each anniversary year
  Enjoy the experience of the Good Food Trail dining program at premium restaurants in top cities
  
  Rewards Rate:
  * 4 reward points on Rs. 150, on all retail spends such as Insurance, Utilities, Education, and RentPay
  

Pros

• Spend Rs. 2,000 or more in first 60 days and get 2,000 bonus Reward points
• Up to 2.5% value back, as you get 10X Reward Points per Rs. 100 spent at all Departmental and Grocery stores
• On all other spends earn 1 Reward point per Rs. 100 spent. (4 Reward points = Rs. 1)

Cons

• No Complimentary Airport Lounge access 
• No Golf Privileges 

Pros
* Enjoy exclusive dining privileges with a 15% discount at partner restaurants
* Avail 4 Reward Points for every Rs. 150 spent

Cons
* No complimentary offers for movie tickets
* No travel benefits in the form of lounge access and there are no air miles or co-branded benefits provided