BOB Easy Credit Card vs HDFC Regalia Gold
Detailed comparison of these two popular credit cards
BOB Easy Credit Card
Bank of Baroda
EntryVS
Winner
HDFC Regalia Gold
HDFC Bank
PremiumAnnual Fee
₹250 vs ₹3K
Effective Rate
(cash value)
0.2% vs 1.3%
Lounge Access
None vs 12/year
Detailed Comparison
| Feature | BOB Easy Credit Card | HDFC Regalia Gold |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹0 | ₹3K |
| Annual Fee | ₹250 | ₹3K |
| Fee Waiver | Spend ₹30K annually | Spend ₹4L annually |
| Forex Markup | - | 2% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.17% | 1.33% |
Lounge Access | ||
| Domestic Lounges | None | 12/year |
| Priority Pass | - | Yes |
Eligibility | ||
| Min. Income | ₹1.8L | ₹12.0L |
HDFC Regalia Gold is Best For
Mid-tier spenders wanting lounge access
Watch Out
- • Devalued from original Regalia benefits
Our Verdict
Based on overall features and value,
HDFC Regalia Gold wins!
Score: 11vsScore: 51
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