IDFC First Power Plus Credit Card vs HDFC Regalia Credit Card

Joining Fees

₹499

₹2,500

Editor's Rating

4.1

4

Key Features

  • Up to 6.5% savings on fuel expenses
  • Enjoy 5% savings as Rewards on Grocery and Utility expenses
  • Enjoy 5% savings as Rewards on IDFC FIRST FASTag recharge
  • Avail 3X Rewards on other retail transactions
  • Complimentary Domestic Airport Lounge access, once every quarter, on minimum monthly spends of Rs. 20,000
  • Complimentary Roadside Assistance worth Rs. 1,399
  • Get 25% off on movie tickets, up to Rs. 100, once every month
  • Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000
  • EMIfy your purchases and balances and enjoy convenience of payment
  • Extend Add-on card to your co-passenger and boost your savings without any extra charges
  • Refer your friends and earn up to 10,000 Rewards (2,000 Rewards for every card set-up)
  • You can also earn rewards on your UPI Spends
  • Complimentary Airport Lounge Access within India: Lounge access program will now be based on the credit card spends. Spend Rs. 1 Lakh or more in a calendar quarter (Jan-Mar | Apr-Jun |Jul-Sept | Oct-Dec). Choose up to 2 complimentary lounge access vouchers as your Quarterly Milestone Benefit
  • International Lounge access using priority pass is not based on spends: Cardholders can apply for Priority Pass once they complete minimum 4 retail transactions on the card. Do note that Rupay cards are not eligible for priority pass. Using Priority Pass, avail up to 6 Complimentary Lounge Access per calendar year, outside India 
  • 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs. 400 and Rs. 5000
  • Enjoy dining benefits with the Good Food Trail program: Get up to 7.5% savings on all restaurant bill payments via Swiggy Dineout (20k+ restaurants). This offer is inclusive of Restaurant and Swiggy Discount, and valid only on payments done via the Swiggy App
  • Zero Lost card liability
  • Foreign Currency Markup: 3.5% on all foreign currency spends
  • Get Revolving Credit at nominal interest rate
  • 24/7 Concierge Services
  • Milestone Benefit: Avail 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs and additional 5,000 Reward Points when achieving annual spends of Rs. 8 lakhs in an anniversary year
  • Spend Rs. 3L in 12 Months and get Renewal Fee waived for next renewal year
  • Convert big spends into EMI after purchase
  • Accidental air death cover worth Rs. 1 Crore
  • Emergency overseas hospitalization up to Rs. 15 lakhs
  • Lost Card Liability Cover : Up to Rs 9 lakhs  
  • On retail spends including Insurance, earn 4 reward points on Rs. 150
  • Get 10,000 Reward Points on annual spends of Rs. 5 lakhs
  • Get additional 5,000 Reward Points on annual spends of Rs. 8 lakhs

Editor's Review

Pros

  • With this credit card, you get rewards on UPI transactions also
  • The joining fee is affordable
  • Up to 6.5% savings on fuel expenses

Cons

  • No Golf benefits
  • No fuel benefits
  • No complimentary international airport lounge access

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


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