Indian Overseas Bank Zet Credit Card vs HDFC Regalia Credit Card

• Open a fixed deposit starting from Rs. 2,500
• Earn up to 7% interest on your fixed deposit
• Your FD is insured by RBI- FD is insured up to Rs. 5 lakh by the DICGC under the DICGC Act 1961
• Credit Limit is set at 90% of the FD amount
• Lifetime Free Card- Zero annual fee and no hidden charges
• Easy application process with no credit score check
• UPI Credit Card- Get flat 2% cashback on ZET UPI payments
• Fuel Surcharges: Surcharge of 1% of the total transaction amount will be levied
• Get Discounts and cashback on 80+ top brands, for example see below some of the offers:

A. SWIGGY- Up to 20% Discount

B. BookMuShow- Up to 20% Discount

C. Zomato- Up to 20% Discount

D. Amazon Pay- 5% Cashback

E. FlipKart- 5% Cashback

F. PVR- 18% Cashback

G. Myntra - 5% Cashback

H. NYKAA - 4.5% Cashback

I. InstaMart - Up to 20% Discount

• Avail 4 Reward Points on every Rs.150 spent on all retail spends including Insurance
• Zero Lost card liability 
• Foreign Currency Markup : 3.5% on all foreign currency spends
• Enjoy Revolving Credit on the credit card at nominal interest rate
• 24/7 Concierge Services
• Complimentary Airport Lounge Access within India: The lounge access program is be based on credit card spends. Spend Rs.1 Lakh or more in a calendar quarter (Jan-Mar | Apr-June | Jul-Sept | Oct-Dec). Avail up to 2 complimentary lounge access vouchers as part of quarterly milestone benefit
• Priority Pass: Lounge access outside India using priority pass is not based on spends. Apply for Priority Pass for self and add on members once you have completed minimum 4 retail transactions. Using Priority Pass, cardholder and the add on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India. If exceeded the 6 Complimentary visits, there will be a charge of US $27 + GST per visit. Guests accompanying the primary card holder must have an Add-on credit card with their own Priority Pass
• 1% fuel surcharge waiver at fuel stations across India on minimum transaction of Rs. 400  and maximum transaction of Rs. 5000
• Enjoy dining benefits with the Good Food Trail program: Avail up to 7.5% savings on all restaurant bill payments via Swiggy Dineout (20k+ restaurants). The offer is inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done via the Swiggy App
• Milestone Benefit: Obtain Bonus 10,000 Reward Points when making spends of Rs. 5 lakhs in the anniversary year. Earn additional 5,000 Reward Points when spending Rs. 8 lakhs spends in the anniversary year
• Renewal fee waived off if spends exceeds more than Rs. 3 Lakhs in the previous year
• HDFC Bank Regalia Credit Card provides the option to convert big spends into EMI after purchase
• The credit card is enabled for contactless payments
• 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   

Pros

• No income proof or credit history required
• Earn up to 7% interest on your fixed deposit
• Enjoy Discounts and cashback on 80+ top brands

Cons

• No Travel perks
• No Lounge access
• No rewards or golf benefits

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