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Highlights
- Compare SBI Prime and HDFC Regalia Credit Card on the basis of their offers.
- See the Fees, Offers, and Features of both the credit cards for better understanding.
- Choose the Suitable Card for yourself among the two.
Nowadays everyone is dependent on credit cards and they are more inclined towards the features and offers of the credit card rather than the credit limit. But some individuals are confused between the SBI Credit Cards and HDFC Credit Cards. The regular users are in dilemma between SBI Prime vs HDFC Regalia Credit Card. Both of these cards are known for saving some extra bucks from the monthly expenses. They have exciting offers and great deals to earn reward points. So, a detailed difference between these two cards would be helpful for you to decide the best one for yourself. Let’s have a look at the comparison of both the credit cards.
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To,TransUnion CIBIL Limited[Formerly known as Credit Information Bureau (India) Limited]One Indiabulls building ,Unit No 1901 – 1905,19th Floor, Tower 2A-2B, Jupiter Mill compound,Senapati Bapat Marg, Lower Parel, Mumbai 400 013
Sub: Grant of Consent
Dear Sirs,
In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Wishfin and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:
- The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.
- I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: (a) I have carefully read the terms and conditions of the Agreement entered into between the Company and TUCL understood the same; or (b) the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.
- I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.
- I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL.
- I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company
- I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Wishfin authorizing Wishfin to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Wishfin to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Wishfin to obtain my Consumer Credit Information .
- I understand that in order to deliver the product to me, I hereby authorize Wishfin, to obtain my Consumer Credit Information from TUCL.
- By submitting this registration form, I understand that I am providing express written instructions for Wishfin to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Wishfin account. I further authorize Wishfin to retain a copy of my information for use in accordance with [Wishfin’s] Terms of Use and Privacy Policy.
- I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
- I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Wishfin . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.
- I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.
Yours faithfully,
Name :____________________________Address : ____________________________Date : ____________________________
Comparison of all Offers of SBI Prime Credit Card and HDFC Regalia Credit Card
Basis of Difference | SBI Prime Credit Card | HDFC Regalia Credit Card |
---|---|---|
Welcome Benefits | Get an E-Gift Voucher of INR 3000 of any brands given below:- - Bata - Hush Puppies - Pantaloons - Aditya Birla Fashion Shopper stop Yatra | • Complimentary Membership of Zomato Gold as a Welcome Benefit. • Have Free Dish at the partnered restaurants on every visit. • Go to the Gold Drink Partnered restaurants and get up to 2 Drinks for free. • Spend ₹75000 within 30 days of card issuance to enjoy all the welcome offers. |
Milestone Benefits | • Spend INR 50000 in a calendar year and get Pizza Hut E-Voucher of INR 1000. • Achieve the Milestone of INR 5 Lacs and get Pantaloons or Yatra E-Voucher worth INR 7000. | • Achieve the Milestone of ₹5 lacs and to earn 10000 reward points. • Spend ₹8 Lacs in a year and earn an additional 5000 reward points. |
Lifestyle Benefits | • Get the Complimentary Trident Privilege Red Tier Membership on SBI Prime Credit Card. • Enjoy a Discount of 10% on booking from the official website. • Get 1000 Bonus points on Registration. • Enjoy 4 Complimentary Golf Games and 1 free golf lesson in a year across India | • Enjoy 24X7 Concierge Service Assistance on this credit card. • Enjoy the Good Food Trail Dining Program using this credit card. |
Earn Reward Points | • Get 20 Reward points on every INR 100 as per the standing instruction of the Utility Bill payments. • Spend INR 100 on BigBasket and earn 15 Reward Points. • Earn 10 Reward Points on every INR 100 spend on dining, groceries, movies, and departmental stores. • Pay your Credit card bills using the reward points. • Earn 9 Club Vistara Points on every INR100 on booking Vistara Airlines. • Get 20 Reward Points on the expenditure of every INR 100 done on your birthday. | • Earn 4 Reward Points on every expenditure of INR 100 |
Airport Lounge Access | • Enjoy 4 Complimentary Access (max 2 per quarter) in a year under the Priority Pass Program. • Get 8 Free Visits to the Airport Lounges under Visa and Mastercard Schemes. • Enjoy 1 Complimentary Visit to the Airport Lounges and 1 Upgrade voucher under Club Vistara Silver membership. | • Enjoy free 12 Airport Lounge Access in a year through this credit card. • Under Priority Program enjoy 6 Complimentary visits to the Lounges outside India. • Visa Cards and Mastercard will charge an authentication fee of ₹2 and ₹25 respectively. |
Insurance Cover | • Get Air Accident Death Cover of up to INR 50 lacs. • Get a Fraud Liability Cover of INR 1 Lac. | • Get an Air Accident death cover of ₹1 Crore. • Avail off Overseas Hospitalisation Cover of up to ₹15 Lacs in case of an emergency. • Get an Air Accident death cover of ₹1 Crore. • Avail off Overseas Hospitalisation Cover of up to ₹15 Lacs in case of an emergency. • Insurance of Credit Liability in case of card loss of up to ₹9 Lacs. |
Additional Benefits | • Get the Fuel Surcharge Waiver of 1% at all the refilling stations. • The minimum transaction must be of INR 500. • The maximum transaction must not exceed INR 4000. • A maximum waiver of INR 250 is allowed every month. | • Enjoy a Fuel Surcharge Discount 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. |
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Compare the Fees of These Credit Cards
Now you must explore the fees these credit cards because it is necessary to know the fees of such amazing credit cards. You must also see the transaction amount in a year that can help you to waive off the fees of the card.
Basis of Difference | SBI Prime Credit Card | HDFC Regalia Credit Card |
---|---|---|
Annual Joining Fees | ₹2999 + Applicable Taxes | ₹2500 + Applicable Taxes |
Annual Renewal Fees | ₹2999 + Applicable Taxes | ₹2500 + Applicable Taxes |
Waiving Off Criteria | Spend ₹3 Lacs in a Year to Waive off the Renewal fees. | Spend ₹3 Lacs in a Year to Waive off the fees. |
It is clear from the above comparison that both thecredit cards have various benefits and offers. So now after going through thecomparison between SBI Prime vs HDFC Regalia Credit Card, it will become easyfor you to take a one-sided call. First of all, you must analyze yourrequirements and then choose one credit card for day-to-day transactions.
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