BOB Financial Easy vs HDFC Regalia Credit Card
Joining Fees
₹500
₹2,500
Editor's Rating
4.6
4
Key Features
- Get 5 reward points for every Rs. 100 spent on Grocery, Departmental stores, and Movies
- Avail 1 reward point for every Rs. 100 spent on other categories
- Avail 0.5% of the card bill payment as cash-back in the next statement
- Spend Rs. 6,000 within 60 days and Rs. 35,000 in a year for reversal/waiver of annual fees
- 1% fuel surcharge waived for fuel transactions between Rs. 400 - Rs. 5,000 (Max. waiver of Rs. 250 per month)
- Redeem the earned reward points as cash-back and other exciting options
- Convert purchases of more than Rs. 2,500 on the card into easy EMIs of 6/12 months
- 3 lifetime free add-on cards
- Free Personal Accidental Death Cover
- Report immediately the loss of the card to ensure zero liability on any fraudulent transactions
- Avail 50 days of interest free credit from the date of any purchase
- Pay Minimum Amount Due and finance your spends as per your convenience
- Airport Lounge Access within and outside India
- Experience unique delicacies through Good Food Trail dining program at premium restaurants across top cities.
- On retail spends including Insurance, Utilities, Education and Rent Pay, earn 4 reward points on Rs. 150.
- Earn additional 5,000 Reward Points when achieving annual spends of Rs. 8 lakhs.
- Emergency overseas hospitalization up to Rs. 15 lakhs in case of emergency
Editor's Review
Pros
- Easy EMI Option
- First year Fee: Spend 6,000 on the card within 60 days for fee reversal
- Annual Fee: Spend Rs. 35,000 on the card in a year for a fee waiver
Cons
- No golf privileges
- No airport lounge access
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
