RBL Bank vCard vs HDFC Regalia First Credit Card

* Make merchant payments and manage the Credit Card through vCard Mobile App, which has the following benefits: Make merchant payments while you’re on the go and gain rewards for all your spends
* Instantly, transfer funds in your own account via vCard App
* From the vCard App, conveniently convert card spends into EMIs
* Avail 1 Reward point on every Rs. 100 spent and redeem the points for products you desire at www.rblrewards.com
* Once a month for Wednesday shows, avail 1+1 free movie ticket, up to Rs. 200, on BookMyShow
* Earn 10% value back on spends at Pizza Hut online & Domino’s online on Wednesday only
* Earn 5% value back on groceries spends, applicable only on Wednesday
* Maximum 1,000 bonus Reward Points each for Groceries and Pizza spendings in a billing cycle
* Milestone Benefit: Earn 4,000 bonus reward points on crossing spends of Rs. 1.2 lakh in a year. The reward points are redeemable for vouchers worth Rs. 1,000
* Avail fuel surcharge waiver of Rs. 100 per month for fuel transactions between Rs. 500 - Rs. 4,000

• 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
  

Pros
* Make merchant payments while you’re on the go and avail rewards points for all your spends
* 10% value back on spends at Pizza Hut online & Domino’s
* 1+1 free movie ticket

Cons
* No golf privileges
* No airmiles
* No airport lounges benefits

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