TATA STAR Titanium vs HDFC Regalia First Credit Card

Joining Fees

₹499

₹1,000

Editor's Rating

3.3

4.1

Key Features

  • On spends at STAR Outlets, earn 3.5% value back  
  • On spends on select TATA Outlets, get up to 5% value back
  • Get a 1% fuel surcharge waiver, on every transaction between Rs. 500 to Rs. 3,000, at any petrol pump across the country. Purchase fuel worth Rs. 500 to Rs. 3,000, to avail this benefit
  • With TATA STAR Titanium Card, book railway tickets online and enjoy home delivery
  • 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

Editor's Review

Pros

  • Spend based fees reversal on spends of Rs. 1,00,000 & above annually
  • 3 Reward Points per Rs. 100 spent on departmental & grocery stores
  • Low Annual Fee

Cons

  • High-interest rates
  • No Golf/coaching sessions
  • No complimentary Airport Lounge visits

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


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