HDFC Regalia First Credit Card vs SBI Card Prime

• You will receive Welcome Benefit of 1000 Reward Points and renewal benefit of 1000 Reward Points when the membership fee is realized
  In 12 Months, spend Rs. 1,00,000 and get Renewal Fee waived for next renewal year
  Accidental air death cover worth Rs. 50 lakhs
  Emergency overseas hospitalization up to Rs. 10 lakhs
  Credit Liability cover of up to Rs 5,00,000 1% fuel surcharge waiver at fuel stations in India on transactions between Rs.400 and Rs.5000
  Earn 5,000 Reward Points on annual spends of Rs. 3,00,000 or more in each anniversary year
  Avail up to 5% cashback on travel and shopping spends on SmartBuy
  Earn more 2,500 Reward Points on annual spends of Rs. 6,00,000 or more in each anniversary year
  Enjoy the experience of the Good Food Trail dining program at premium restaurants in top cities
  
  Rewards Rate:
  * 4 reward points on Rs. 150, on all retail spends such as Insurance, Utilities, Education, and RentPay
  

• Get 10 Reward Points per Rs. 100 spent on Dining, Groceries, Departmental stores and Movies
• Earn 2 Reward Points per Rs. 100 on all other retail spends
• 1% Fuel Surcharge Waiver on transaction amount ranging from Rs. 500 - Rs. 4000 across all petrol pumps
• Get Pizza Hut e-Voucher worth Rs. 1,000 on achieving spends of Rs. 50,000 in a calendar quarter
• Waiver of Renewal Fee on annual spends of Rs. 3 Lakhs
• Avail E-Gift Voucher worth Rs. 7,000 from Yatra.com/Pantaloons on achieving annual spends of Rs. 5 Lakhs
• Get complimentary Trident Privilege Red Tier Membership   
• Get exclusive 1,000 Welcome Points on registration
• Get 1,500 Bonus Points on your first stay and additional Rs. 1,000 hotel credit on extended night stay
• Avail 10% instant saving on bookings through hotel website
• Avail 10 points for every Rs.100 spent during the stay at participating hotels
• Complimentary Club Vistara Silver membership
• Get 1 Upgrade Voucher
• Avail 9 Club Vistara Points for every Rs. 100 spent on Vistara flights
• 4 complimentary visits per calendar year to International Priority Pass Lounges, outside India (max. 2 visits per quarter)
• 8 complimentary visits per calendar year to Domestic Lounges in India (max. 2 visits per quarter)
• Get 20 Reward Points per Rs. 100  spent on your birthday

Mastercard/Visa/American Express Privileges

• Mastercard

a. Avail 4 rounds of complimentary green fees access and up to 50% off on golf games along with 1 complimentary lesson per month at selected golf courses in India

b. Get up to 15% discount on best available room rates and up to 15% discount on F&B at Lalit Hotels

• Visa

a. Savings of up to 10% on Hertz car rental and up to 35% on Avis Car Rentals

b. Exclusive benefits across 900 luxury hotels worldwide

• American Express

a. American Express Dining Platform - Discover delectable dining offers and up to 25% discount in your city

b. Complimentary Tablet plus membership - access to VIP upgrades and privileges at hotels in India and around the world

• Get complimentary Air Accident Liability Cover of Rs. 50 lakhs
• Get complimentary credit card Fraud Liability Cover of Rs. 1 lakh
• With Flexipay, convert your transactions in easy monthly installments. Simply transact for Rs. 2,500 or more using your SBI Card PRIME, and log onto sbicard.com within 30 days of purchase to convert it into Flexipay
• Transfer the outstanding balance of other banks’ credit cards to SBI Card PRIME, to avail a lower rate of interest and pay back in EMIs

Pros
* Enjoy exclusive dining privileges with a 15% discount at partner restaurants
* Avail 4 Reward Points for every Rs. 150 spent

Cons
* No complimentary offers for movie tickets
* No travel benefits in the form of lounge access and there are no air miles or co-branded benefits provided

Pros

• 1% Fuel Surcharge Waiver on transaction amount ranging from Rs.500-Rs.4000 across all petrol pumps
• Waiver of Renewal Fee on annual spends of Rs. 3 Lakhs
• 4 complimentary International Airport Lounge visits, 8 complimentary Domestic VISA/Mastercard Lounges (max. 2 visits per quarter)

Cons

• General spending rewards rate: 0.50%
• Joining Fee bit high