IDFC Bank FIRST SWYP Credit Card vs HDFC Business Regalia Credit Card

• Limited Period Offer: Get up to Rs. 200 cashback on first 4 UPI transactions (maximum up to Rs. 50 per transaction) done within 15 days of FIRST Digital RuPay Credit Card creation date
• 4 complimentary railway lounge access per quarter
• 25% discount on movie tickets up to Rs. 100 on Paytm mobile app once a month
• Get 100 Reward Points for every Rs. 5,000 UPI spends per statement month
• Complimentary Roadside Assistance worth Rs. 1,399
• Monthly Milestone Rewards: SWYP for exciting Reward Points on monthly eligible spends:

A. Get 500 Reward Points on monthly spends of more than Rs. 10,000

B. Get 1000 Reward Points on monthly spends of more than Rs. 15,000

C. Get 400 Reward Points on rental spends of Rs. 20,000 and above p.m.

• Guaranteed year-long discounts on featured partners such as the following:

A. Dominos Pizza: 20% off up to Rs. 80 on orders above Rs. 299 twice in a month

B. EaseMyTrip: 10% instant discount up to Rs. 500 on flight or hotel bookings above Rs. 5,000 once a quarter

C. SUGAR Cosmetics: 20% instant discount up to Rs. 270 on orders above Rs. 1,250 once online once offline a month

D. TATA CLiQ: 10% instant discount up to Rs. 100 on purchases above Rs. 999 once a month

E. Zomato: Get 10% off up to Rs. 100 on orders above Rs. 299 twice in a month

• 1% fuel surcharge waiver up to Rs. 200 p.m. on fuel transactions between Rs. 200 and Rs. 5000 p.m.
• Access to additional 300+ merchant offers on all your fav categories, all year round
• Pay your statement in full or EMIfy your eligible balance
• You can convert your eligible balance into easy & convenient EMIs
• Make sure to pay any outstanding balance post EMI conversion by your payment due date
• Convert balances or transactions into easy EMIs with flat monthly conversion fees & no other processing charges
• Year- long instant discounts starting from 10% off on our Feature Partners
• FIRST SWYP Referral Benefits: Get subscription fee waived off & many more benefits by referring FIRST SWYP

• Earn 4 Reward Points on every Rs. 150 spent on retail spends excluding wallet, EMI and petrol
• By making Vendor/supplier bill payments and GST payments using HDFC Bank Business Regalia Credit Card, get up to 50 days of free credit period
• 12 Complimentary Airport Lounge Access within India at domestic and international terminals
• Customers who use RuPay cards can now enjoy 12 complimentary airport lounge accesses within India and 6 outside India
• With the Diners Club card, you can enjoy up to 12 complimentary airport lounge visits within India and 6 outside India
• PRIORITY PASS: To avail a Priority Pass, you can apply once you complete a minimum of 4 retail transactions on your HDFC Bank Regalia Credit Card. With a Priority Pass, you and your add-on member can together enjoy up to 6 complimentary lounge access per calendar year, outside India
• Get 5% monthly cashback on Business Essential Spends 
• Up to 4 Reward Points on every Rs.150 spent for business payment, redeem reward points to pay credit card bill
• HDFC Bank Merchants can now conveniently make vendor and distributor payments through a single app using SmartHub
• Get Pre-approved instant loans and Cash withdrawal facility on the Business Credit Card
• Convert all big spends into EMI after purchase
• Zero Lost card liability
• Get Revolving Credit at nominal interest rate
• 2% on all foreign currency spends
• 1% fuel surcharge waiver at all fuel stations across India on transactions betwwen Rs. 400 and Rs. 5000
• Enjoy dining benefits with the Good Food Trail program
• Save up to 20% on all restaurant bills via Swiggy Dineout (20,000+ restaurants). The offer includes both restaurant and Swiggy discounts and is only valid on payments made through the Swiggy app
• Milestone Benefit: Earn Bonus 10,000 Reward Points when spending Rs. 5 lakhs in the anniversary year. Earn an additional 5,000 Reward Points when spending Rs. 8 lakhs in the anniversary year
• Renewal Offer: The renewal fee is waived off if you spent more than 3 lakhs in the previous year
• Convert big spends into EMI after purchase
• Air Accidental death cover up to Rs 1 Cr
• Emergency Overseas Hospitalization protection worth up to Rs. 15 lakhs 
• Flight Delay cover of up to Rs 25,000
• Missing of Connecting International Flight cover of up to Rs 25,000
• The maximum 50,000 Reward Points can be earned in a statement cycle for your Business Regalia Credit Card
• This card is enabled for contactless payments

Pros

• Numerous welcome benefits
• Guaranteed year-long discounts on featured partners such as Dominos Pizza, EaseMyTrip, SUGAR Cosmetics, TATA CLiQ, and Zomato
• Affordable joining/annual fee

Cons

• While this card provides complimentary access to railway lounges, airport lounge access requires fulfilling referral criteria
• Make sure to pay any outstanding balance post EMI conversion by your payment due date
• No golf benefits

Pros

• On all foreign currency spends, avail the lowest foreign currency markup of 2% 
• Redeem Reward Points instantly against Airline ticket booking and Hotel booking
• Enjoy the exclusive 24/7 Concierge Service

Cons

• Although complimentary Membership to the Priority Pass Program is offered, all Lounge visits within India using priority pass will be charged at US $27 + GST
• Lounge Visits outside India exceeding the complimentary visits will be charged at US $27 + GST.
• The annual fee of 2500 is moderately high