Standard Chartered Ultimate Card vs HDFC Regalia Credit Card
Joining Fees
₹5,000
₹2,500
Editor's Rating
4.6
4
Key Features
- Get up to Rs. 10,000 cashback on MakeMyTrip
- Earn 5 reward points on every Rs. 150 spent and get maximum benefit with 1 reward point equal to Re 1
- 5% cashback on duty-free spends
- Up to 25% discount at the top 750 restaurants in India
- Access 20 premier golf courses in India and 150 worldwide
- Convert big credit card transactions (starting from Rs. 5,000) into easy EMI with "Kuch Bhi" facility at attractive rates pricing and flexible tenure options
- Airport Lounge Access within and outside India
- Experience unique delicacies through Good Food Trail dining program at premium restaurants across top cities.
- On retail spends including Insurance, Utilities, Education and Rent Pay, earn 4 reward points on Rs. 150.
- Earn additional 5,000 Reward Points when achieving annual spends of Rs. 8 lakhs.
- Emergency overseas hospitalization up to Rs. 15 lakhs in case of emergency
Editor's Review
Pros
- 2% foreign currency markup* fee on overseas spends
- Access to over 1000 airport lounges across the world, with a complimentary Priority Pass membership
- Enjoy a wide range of instant payment solutions like BharatQR, Bharat bill payment solution (BBPS) and Samsung Pay
Cons
- High Annual Fee of Rs. 5,000
- No fee waiver
- No category-specific elevated rates (e.g. Higher cashback rate for grocery spending)
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
