Standard Chartered Emirates World Credit Card vs HDFC Regalia First Credit Card

• On Emirates transactions of Rs. 150 earn Six Skyward miles, and Three Skyward Miles on every Rs 150 spent on all other transactions.
• Get complimentary lounge access to 25+ domestic lounges through the Mastercard Lounge program and Two complementary accesses to Domestic and International Priority Pass lounges per month. Spend more than Rs 10,000 in a month and enjoy Two free accesses to Priority Pass lounges in the next month.
• Complimentary overseas air accident coverage of Rs. 1 Crore including insurance on the loss of baggage and flight delay
• Get access to three complimentary golf games a year, one free lesson a month and 50% discount on all games.
• Redeem Skywards miles on Emirates, Jet Airways, Qantas, Jetstar, easyJet, JetBlue, Alaska Airlines and more.

• 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

• Earn miles on every transaction
• Airport Lounge access
• Cashback on Duty-Free purchases

Cons

• Interest rate is high
• Annual fee/renewal fee is high

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