RBL Bank Platinum TravelEasy SuperCard vs HDFC Regalia Credit Card

* Spend Based Waiver: Spend Rs. 1,00,000 in a year and get waiver for Next year Annual Fee
* Convert your available cash limit into a Personal Loan for 3 months at no interest, once a year. A processing fee of 2.5% is applicable; min Rs. 500
* Unlimited interest-free withdrawal of available cash limit from all ATMs in India up to the billing date; maximum period of 50 Days. A processing fee of 2.5% is applicable; min Rs. 500
Please Note: W.e.f January 07, 2021, interest @1.16% per month would be applicable on Emergency Advance Facility on your SuperCard and no processing fee would be charged.

* Avail Welcome Gift Vouchers worth Rs. 1,000 on payment of joining fees and spends of Rs. 2,000 within 30 days of card issuance. Theres no welcome rewards given to First Year Free cards
* Avail fuel surcharge waiver up to Rs. 100 per month
* Get 10% Cashback on Fuel Purchases and Ola/ Uber transactions 
* When crossing spends of Rs. 1,00,000 in a year, avail gift voucher worth Rs. 1,000
* Instantly receive cash and pay back in installments with Dial for Cash program. One can also avail a pre-approved loan without blocking the credit limit of its Card. Get advantage of multiple tenure options
* Avail Split n Pay program and convert purchases of Rs. 3,000 or above into EMIs. Have convenience of paying EMIs at low interest rates at a nominal processing fee
* Use the facility of Transfer n Pay program to transfer outstanding from other bank’s Credit Cards to RBL Bank Platinum TravelEasy SuperCard at lower interest rates and convert it into EMIs
* The Xpress Cash is a unique feature which enables you to get instant loan within your credit limit. Pay it back in easy installments and enjoy a host of benefits like document free process and paperless money transfer
* With Cash Advance program, one can satisfy its short-term cash requirements. Avail credit-free period of up to 50 days as an added benefit
* Contactless Transactions: Tap the card and instantly in a convenient way make payments at retail outlets
* Purchase Limit: Using the tap & pay feature, make payments of up to Rs. 5000 at a time
* Global Acceptance
* Access the cash at any ATM in India or Overseas which displays MasterCard/Visa/Cirrus/Maestro sign
* The card is equipped with a PIN-based-EMV chip
* Zero Fraud Liability: If the Card gets lost or stolen, inform the bank

• 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

Pros
* Offer on Ola/Uber Transactions
* Annual Rewards worth Rs. 7,500+
* Attractive Milestone Vouchers

Cons
* No golf benefits
* No airmiles
* No 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