InterMiles HDFC Bank Platinum Credit Card vs HDFC Regalia First Credit Card

InterMiles HDFC Bank Platinum Credit Card
InterMiles HDFC Bank Platinum Credit Card
HDFC Bank · Visa
3.75
₹1,000 / Joining Fees
Apply Now →
VS
HDFC Regalia First Credit Card
HDFC Regalia First Credit Card
HDFC Bank · Mastercard
4.1
₹1,000 / Joining Fees
Apply Now →
Fees
HDFC Bank
HDFC Bank
Joining Fees
₹1,000
₹1,000
Renewal Fees
₹1,000
₹1,000
Network
Visa
Mastercard
Editor's Review
3.75
4.1
Free Lounge Access
Yes
No
Features
InterMiles HDFC Bank Platinum Credit Card
  • Renewal Benefits

A. Continue the exciting journey with 1,500 InterMiles upon spending Rs. 3,000 within first 30 days of Anniversary date

Experience savings on Flight and Hotel bookings:

A. Get Rs. 500  Flight Discount vouchers

B. Get Rs. 1000  Hotel Discount vouchers

Do note that these Renewal benefits are only applicable on realization of membership fee

  • Get 4 InterMiles on every Rs. 150 spent on retail spends
  • Get 8 InterMiles on every Rs 150 spent on every flight ticket booked on https://flights.intermiles.com
  • Get 8 InterMiles on every Rs. 150 spent on every Hotel booked via Interbook.intermiles.com
  • Privileges on Etihad Airways

A. Obtain 5% discount on Etihad Airways Economy Class tickets booked on http://flights.intermiles.com

B. Avail 2.5X bonus InterMiles for Etihad Airways tickets booked on http://flights.intermiles.com

  • Domestic Lounge Program: Be greeted with luxury each time when traveling, with access to selected lounges at airports in India with the bank’s network partners
  • VISA Lounge Program: Get 8 complimentary visits Per Year (2 per quarter)
  • MasterCard Lounge Program: Get 8 complimentary visits (2 per quarter)
  • 1% fuel surcharge waiver at fuel stations in India on minimum transaction of Rs. 400
  • Zero liability on lost card
  • Revolving Credit is available at an interest rate of 3.6% per month
  • Avail up to 50 days of free credit period from the date of purchase
  • Avail up to 3 Add-on Cards
  • Save up to 20% on dining bills paid via Dineout Pay via the credit card. Get 15% Dineout Discount plus Additional 5% HDFC Bank Discount
HDFC Regalia First Credit Card
  • 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
Editor's Review
InterMiles HDFC Bank Platinum Credit Card

Pros

  • InterMiles as welcome benefit and reward points
  • Domestic lounge access
  • Save up to 20% on dining bills paid via Dineout Pay via the credit card. Get 15% Dineout Discount plus Additional 5% HDFC Bank Discount

Cons

  • InterMiles can only be used for travel related bookings on the InterMiles website
  • There are other travel credit cards that offer more redemption options
  • No golf or movie benefits
HDFC Regalia First Credit Card

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

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