BOB Premier Credit Card vs HDFC Regalia
Detailed comparison of these two popular credit cards
BOB Premier Credit Card
Bank of Baroda
PremiumVS
Winner
HDFC Regalia
HDFC Bank
PremiumAnnual Fee
FREE vs ₹3K
Effective Rate
(cash value)
0.5% vs 1.3%
Lounge Access
4/year vs 12/year
Detailed Comparison
| Feature | BOB Premier Credit Card | HDFC Regalia |
|---|---|---|
Fees & Charges | ||
| Joining Fee | FREE | ₹3K |
| Annual Fee | FREE | ₹3K |
| Fee Waiver | LTF till Mar 2026 | Spend ₹3L annually |
| Forex Markup | 3.5% | 2% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.5% | 1.33% |
Lounge Access | ||
| Domestic Lounges | 4/year | 12/year |
| Priority Pass | - | Yes |
Eligibility | ||
| Min. Income | ₹6.0L | ₹12.0L |
BOB Premier Credit Card is Best For
Free premium card with travel benefits
Watch Out
- • LTF offer valid till Mar 2026
Our Verdict
Based on overall features and value,
HDFC Regalia wins!
Score: 38vsScore: 50
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