HDFC Regalia Credit Card vs Citi PremierMiles Card

Joining Fees

₹2,500

₹3,000

Editor's Rating

4

4.3

Key Features

  • 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
  • On the yearly card renewal period, get 3000 Bonus Miles
  • Earn 8 miles for every Rs.100 on spends at Amazon India, Flipkart, Myntra
  • Earn 4 Miles for every Rs.100 spent on all other transactions (Offer Validity: 15 Feb’21-15 Aug’21)
  • Redeem miles over more than 100 domestic and international airlines
  • Transfer your miles to any of the card’s hotel & airline partner
  • Miles never expires so you can use them whenever you desire
  • Redeem Miles instantly via SMS against purchases at leading brands
  • Turn big purchases into small payments  
  • Complimentary Access to Airport Lounges in India
  • Instant loans availed
  • Get amazing deals and discounts locally & in other 90 countries
  • As you earn more miles, redeem easily at www.premiermiles.co.in
  • You can either redeem the miles now or keep collecting them
  • Using Citi contactless card pay the easy way  
  • Enjoy the Travel and Lifestyle Services by contacting the Travel and Lifestyle specialist to create and plan an enchanting experience
  • Enjoy the latest offers on the credit card  
  • Have instant savings on lifestyle and wellness categories  
  • Join the millions of subscribers with a unique analysis of the issues behind the headlines
  • Personal Air Accident Insurance cover of Rs 1 crore
  • Lost Card Liability Cover of Rs. 10 Lakh

Editor's Review

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

Pros

  • The miles earned can be used or redeemed on Citi Bank's Partnered Airlines
  • On every Rs.100 spent on airline transactions on www.premiermiles.co.in earn 10 miles
  • Save up to 20% across all Citibank's partnered restaurants

Cons

  • No Annual Fee Waiver
  • High-interest rates


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