HDFC Bank Regalia Gold Credit Card vs HSBC RuPay Cashback 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

• Welcome Benefits include getting the following:

A. Avail Rs. 500 cashback when downloading and logging on to the HSBC India Mobile Banking app and spending Rs. 10,000 within 30 days of getting the card

B. Avail an RS. 250 Amazon eGift Voucher when applying online, verifying yourself by video and receiving your card

C. Get 2-months EazyDiner membership when activating your RuPay credit card

D. Also get Rs. 250 cashback when linking your card to UPI and making 2 transactions of Rs. 250 or more within 30 days of getting your card

• Annual fee gets waived if you spend more than Rs. 200,000 per year
• Save when spending abroad, with 0% FX mark-up on your transactions until 30 June 2026
• Link the credit card to UPI apps and enjoy easy direct payments with your card
• 10 airport lounge visits: Avail up to 2 complimentary domestic visits per quarter and 2 international visits per year
• Use ATMs and make payments in over 160 countries and regions around the world, powered by the JCB network
• Get 10% cashback on dining, food delivery and grocery spending
• Earn 1% cashback on all other eligible spends, including UPI transactions
• The HSBC SimplyPay app lets you pay bills and send money to family and friends, quickly and securely, wherever and whenever you want. All you need to do is link your bank account or RuPay credit card. Get Rs. 100 reward
• Enjoy exclusive discounts and offers with RuPay: Save on shopping, dinning and more with a range of offers and discounts exclusively for RuPay cardholders
• Enjoy discounts and ofers around the world with the JCB network: Access global discounts, offers and experiences with the JCB network-enabled RuPay credit card
• Enjoy discounts up to Rs. 6,000 on flights and hotels via Cleartrip
• Enjoy money off your bills with Paytm: Use promo code to get 5% off transactions of Rs. 299 or more on mobile (prepaid and postpaid), broadband, DTH, water bills, gas cylinders, piped gas bills, FASTag and electricity bills (max discount Rs. 150)

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

• Up to 10% savings on food-related spends
• 10 airport lounge visits: Avail up to 2 complimentary domestic visits per quarter and 2 international visits per year
• Zero forex mark-up fee until 30 June 2026
• Discount offers on leading platforms for lifestyle-related spends

Cons

• Low capping on monthly cashback earnings
• No cashback earnings on international spends
• No Golf Benefits
• No Insurance Benefits