HDFC Bank Regalia Gold Credit Card vs Spar SBI Card PRIME

* 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

• Cumulative milestone benefits up to 58,000 RP worth Rs 14,500
• On overall annual retail spends of Rs 500,000, avail 20,000 bonus Reward Points
• On annual spends of Rs 40,000 across all Landmark Stores, earn 6000 bonus Reward Points
• On annual spends of Rs 100,000 across all Landmark Stores, earn 12,000 bonus Reward Points
• 1% Fuel Surcharge Waiver 

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                                                                                                                                                                                                                                                                                                                                                                                                   

• Welcome Benefits include getting 12,000 bonus reward points equivalent to Rs. 3,000 on payment of Annual Fees
• Spar SBI Card PRIME can be used in over 24 million outlets globally, including 3,25,000 outlets in India
• Avail 20,000 bonus Reward Points on annual spends of Rs 180,000 across all Landmark Stores               

Cons 

• No Golf/coaching sessions
• Usage of USD 27 plus applicable taxes will be charged on Spar SBI card PRIME for all visits post the complimentary visits