HDFC Bank Regalia Gold Credit Card vs Doctor’s SBI Credit Card

* Get Rs. 1,500 worth vouchers on quarterly spends of Rs. 1.5 lakh
* Get Rs. 5,000 worth flight vouchers on annual spends of Rs. 5 lakh and an additional voucher of Rs. 5000 on spends of Rs. 7.5 lakhs
* Avail 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital: Earn 20 Reward Points on every Rs.150  retail spends at Marks & Spencer, Myntra, Reliance Digital, Nykaa
* Earn 4 Reward Points on every Rs. 150 spent on retail spends including Insurance, Utilities and Education
* Exclusive 24/7 Concierge Services
* Avail 12 complimentary access both at domestic and international terminals
* Using Priority Pass, cardholder and an add-on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India
* Enjoy great dining benefits with the Good Food Trail program: Up to 20% savings on all restaurant bill payments via Swiggy Dineout. Offer inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done via the Swiggy App
* Get Rs. 1,500 worth vouchers from Marriott, Myntra, Marks & Spencer or Reliance Digital when you spend Rs. 1.5 Lakhs in every calendar quarter
* In an anniversary year (12 billing cycles), spend Rs. 4 Lakhs to get Renewal Fee waived for next renewal year
* You can convert big spends into EMI after purchase
* HDFC Bank Regalia Gold Credit Card is enabled for contactless payments
* Accidental air death cover worth Rs. 1 Crore
* Emergency overseas hospitalization cover up to Rs. 15 lakhs
* Credit Liability cover up to Rs. 9 Lakhs  
* Zero Lost card liability

• E-Gift Voucher from Yatra.com/Bata/Shoppers Stop worth Rs. 5,000 on achieving annual spends of Rs. 5 Lakhs
• Complimentary membership to the Priority Pass Program worth $99
• 4 complimentary visits per year to International Airport Lounges outside India (max. 2 visits per quarter)
• Access to 1000+ Airport Lounges worldwide
• 8 complimentary Domestic Airport Lounges visits per year in India (max. 2 visits per quarter) 

Pros

* Enjoy Revolving Credit on HDFC Bank Regalia Gold Credit Card at nominal interest rate
* Get Rs. 5,000 worth flight vouchers when spending Rs. 5 Lakhs in an anniversary year 
* Avail additional Rs. 5,000 worth flight vouchers when spending Rs. 7.5 Lakhs in an anniversary year 

Cons

* No Golf benefits
* There is a capping on grocery purchase
* Rewards are in form of vouchers

Pros                                                                                                                

• Avail Professional Indemnity Insurance Cover of Rs. 20 Lakhs
• Reimburse all defense and legal costs, out of court settlement expenses and court awards as a part of professional indemnity insurance
• Renewal fee reversed if the annual spendings cross Rs 2,00,000

Cons 

• No Golf/Coaching sessions
• Usage fee of $27 + applicable taxes will be charged on the Doctor’s SBI Card after you have exhausted the complimentary visits