HDFC Regalia vs CITI PremierMiles Credit Card
Last Updated : Aug. 3, 2022, 6:31 p.m.
Credit Cards are the last hope for every individual when they ran out of money therefore every individual goes through each and every feature of the credit card before using it. But, there are thousands of credit cards offered by different banks having different features and fees. It becomes quite confusing for the individual to find out the best one among all of them. In this article, you can see the comparison of HDFC Regalia vs Citi PremierMiles Credit Card because many individuals are confused between the brands. HDFC Bank and Citibank are one of the top-notch banking institutions that offer exclusive credit cards. So after going through the comparison, you can make an easy choice between both the credit cards.
Compare the Offers of HDFC Regalia Credit Card and CITI PremierMiles Credit Card
| Basis of Difference | HDFC Regalia Credit Card | Citi Premier Miles Credit Card |
|---|---|---|
| Welcome Benefits | • Get a Free Membership of Zomato Gold. • Enjoy a Complimentary Dish at the partnered restaurants on every visit. • Visit the Gold Drink Partnered restaurants and get up to 2 Complimentary Drinks. • You will have to spend INR 75000 within 30 days of card issuance to enjoy the above offers. | • Enjoy 10000 Miles as the welcome bonus on this credit card. • You have to pay the Joining Fees of the Credit Card in full and spend INR 1000 within 60 days of card issuance to enjoy the benefits. |
| Milestone Benefits | • Earn 10000 Reward Points on achieving the milestone of INR 5 Lacs • Earn 5000 additional reward points on reaching the milestone of INR 8 Lacs. | • Pay the Renewal Fees of the Credit Card and earn 3000 miles. |
| Lifestyle Benefits | • Get 24X7 Concierge Service Assistance on the HDFC Regalia credit card. • Enjoy the Good Food Trail Dining Program using this credit card. | • Get a Discount of up to 20% at the partnered restaurants of the Citibank. • Redeem the Miles at the partnered hotels and flights. |
| Earn Reward Points | • On every retail expenditure of ₹150 earn 4 reward points. | • Earn 10 Miles on every expenditure of INR 100 on airlines at premier miles. • Earn 4 Miles on the expenditure of every INR 100 done on other categories |
| Airport/Railway Lounge Access | • Get 12 Complimentary Airport Lounge Visits in a year through this credit card. • Under Priority Program get 6 Complimentary Access to the Lounges outside India. • Visa Cards and Mastercard will charge an authentication fee of ₹2 and ₹25 respectively. | • Enjoy 8 Complimentary Access to the Airport Lounges per quarter through this credit card. • Get a Total of 32 Free Access to the Airport Lounges in a year on the Citi Premier miles Credit Card |
| Insurance Cover | • Air Accident death cover of ₹1 Crore. • Overseas Hospitalisation Cover of up to ₹15 Lacs in case of an emergency. • Insurance of Credit Liability of up to ₹9 Lacs. | • Air Accident death cover of ₹1 Crore. • Credit Liability Cover of INR 10 lacs. |
| Additional Benefits | • Enjoy a Fuel Surcharge Waiver of 1% at all the refilling stations. • The minimum transaction must be of ₹400. • The Maximum transaction must be ₹5000. • No Reward Points will be earned on the fuel expenses. | • There is no offer available related to the fuel surcharge waiver on this credit card. |
Comparison of Fees and Waiving Off Criteria
It would be easier for you to choose a credit card between these two cards. But, you must also go through the annual joining fees and annual renewal fees of both the credit card so that you can take your final call.
| Basis of Difference | HDFC Regalia Credit Card | Citi Premier Miles Credit Card |
|---|---|---|
| Annual Joining Fees | ₹2500 + Applicable Taxes | As Per the Bank’s Norms |
| Annual Renewal Fees | ₹2500 + Applicable Taxes | ₹3000 |
| Waiving Off Criteria | Spend ₹3 Lacs in a Year to Waive off the fees. | There is no waiving off criteria in this credit card. |
Conclusion
After seeing the difference between HDFC Regalia vs Citi PremierMiles Credit Cards it will be easy for you to decide one card only. First of all, you must compare your needs with the features of both the credit cards see which card benefit you more and then take your final decision. The features and fees of both the cards are in front of you so go through them and select the card.