BOI SwaDhan Rupay Platinum vs HDFC Regalia Credit Card

Joining Fees

₹0

₹2,500

Editor's Rating

3.7

4

Key Features

  • SwaDhan Rupay Platinum Credit Card is issued against TDR
  • The Card is valid in India, Nepal and all foreign centers across the Globe, wherever Rupay logo is displayed
  • Avail 2 StarPoints on every Rs. 100 on regular spends, and 3 StarPoints on every Rs. 100 on spends at merchant falling under the Preferred Category
  • Fuel Transaction Surcharge: 1% of transaction amount 
  • 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

  • Redeem StarPoints to get free gifts, merchandise and services from BOI redemption platform. The platform of free gifts, merchandise and services includes: Airline tickets, Personalized products, Bus tickets, Movie tickets, Entertainment products, Electronic items, Family, Home, Fashion & Beauty products, Music and Sports products, and Limited-time Seasonal Rewardz, etc
  • Interest free credit for up to 51 days and revolving credit at preferential rate
  • EMI at POS facility available on POS that are managed/owned by M/S WorldLine Private Limited irrespective of Bank

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


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