HDFC Superia Card vs HDFC Regalia First Credit Card

• Convert reward points into miles or vouchers of domestic airlines such as Jet Airways, Air India, etc. and save up to Rs. 8000 a year. Redeem points for miles with over twenty international airlines through KrisFlyer, Singapore Airline's frequent flyer programme  
• Enjoy gaining 50% more reward points at premium restaurants        
• Gain Three reward points for every Rs. 150 spent and exchange them for miles (at 0.7 miles for every point) or gifts from an exclusive reward catalogue. These Reward points are valid for two years.
• Complimentary Priority Pass Membership.
• On fuel transactions, you'll avail 1% Fuel Surcharge waiver ( Minimum transaction of Rs. 400, Maximum Cashback of Rs. 500 per statement cycle)
• Stay protected against unauthorised use while shopping with the EMV Chip Card technology
• Zero liability on the lost card after reporting the loss
• Get up to 50 interest-free days from date of purchase (subject to the submission of charge by the merchant). Enjoy Revolving Credit at a nominal interest rate
• First year's membership free if you spend Rs. 15,000 within the first 90 days
• Renew the membership for free by spending Rs. 75,000 in a year

• 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
  

Pros

• Complimentary Priority Pass Membership.
• Avail zero liability on the lost card after reporting the loss
• Get first year's membership for free by spending Rs. 15,000 within the first 90 days

Cons

• High-interest rate
• No golf privileges

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