SBI Air India Signature Credit Card vs HDFC Regalia Credit Card

• Avail complimentary membership of the Air India Frequent Flyer program-Flying Returns
• For every Rs. 100 spent, get 4 Reward points
• Every year, you'll receive anniversary gift of 5,000 Reward Points
• Get around 1,00,000 bonus Reward Points annually
• Earn 30 Reward Points for every Rs. 100 spent on Air India tickets booked via its platforms

• 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

• Get 30 Reward Points while doing your bookings for ownself and get 10 Reward Points while booking for others
• Enjoy International Airport Luxury Lounge Access
• Enjoy the complimentary Visa Lounge Access Program in India at major Domestic Airports
• Enjoy complimentary lost card liability cover of Rs. 1 lakh

Cons

• Joining fee of Rs. 4,999
• Annual fee of Rs. 4,999

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