Do you want to know which of the credit cards are the most popular? Why not take a look and see how they stack up against each other.
Welcome Benefit
1000 Cash Points as a welcome benefit.
Applicable only on payment of membership fee.
Cashback
5% cashback on Amazon, BookMyShow, Cult.fit, Myntra, Flipkart, Swiggy, Tata CLiQ, Sony LIV, Uber and Zomato.
1% cashback on all other spends (except fuel), including EMIs and Wallet transactions.
Dining Benefit
Up to 20% discount on bill payments at 20k+ partner restaurants via Swiggy Dineout.
Offer inclusive of Restaurant and Swiggy Discount.
Offer valid only on payments done via Swiggy App.
Milestone Benefits
Gift vouchers worth Rs. 1,000 on spending Rs. 1,00,000 or above in each calendar quarter.
Complimentary Airport Lounge Access
8 complimentary domestic lounge access each calendar year (2 in a quarter).
To avail of the
HDFC Mllennia credit card lounge access
benefit, Rs. 25 will be charged for Mastercard Cards and immediately made void at the terminal for verification.
For Visa/Diners Cards, Rs. 2 will be charged to your card account as a transaction for verification.
Fuel Surcharge Waiver
1% fuel surcharge waiver across all fuel stations in India.
The minimum transaction value should be Rs. 400 and the maximum Rs. 5,000 to avail of this benefit.
The maximum waiver is available of Rs. 250 per statement cycle.
Joining & Annual Fees
Joining fee: Rs. 1,000 + applicable taxes. Waived off if you spend Rs. 1 Lakh or more.
Renewal membership fee: Rs. 1,000 + applicable taxes. Waived off if you spend Rs. 1 Lakh or more in the previous year.
Welcome Benefit
2500 reward points on joining and renewal.
Offer applicable only after the membership fee is realized.
The offer is not applicable when the membership fee is waived.
Complimentary Airport Lounge Access
You get 12 complimentary
HDFC Regalia lounge access
to airport lounges within India.
6 complimentary access to airport lounges outside India.
Just swipe your
Regalia credit card
at the lounges to avail this benefit.
Visits exceeding the complimentary quota will be permitted at the discretion of lounges at applicable charges.
Priority Pass
You can apply for
HDFC Regalia Priority Pass
for yourself and add on members on completing a minimum of 4 retail transactions on your card.
Using
Priority Pass HDFC Regalia
, you and add-on card members can together avail up to 6 complimentary lounge access each calendar year, outside India.
On exceeding the 6 complimentary visits, you will be charged US $27 + GST per visit.
Reward Points
4 reward points on spending every Rs. 150 on retail, including insurance, utilities & education.
10,000 bonus reward points on spending Rs. 5 Lakhs in an anniversary year.
Additional 5,000 reward points on spending Rs. 8 Lakhs in an anniversary year.
You can redeem your reward points on Smartbuy or Netbanking.
Reward points can be redeemed against:
Flights & hotel bookings via SmartBuy at a value of 1 RP = Rs. 0.5.
Airmiles conversion through netbanking at a value of 1RP = 0.5 air mile.
Products & vouchers via netbanking/ SmartBuy at a value of 1 RP = up to Rs. 0.35.
Cashback at a value of 1 RP = Rs. 0.20.
Fuel Surcharge Waiver
1% fuel surcharge waiver across all fuel stations in India
The minimum transaction value should be Rs. 400 and the maximum should be Rs. 5,000.
The maximum waiver of Rs. 500 per statement cycle can be availed of.
Fuel surcharge varies from 1% to 2.5% of the fuel transaction amount, depending on the fuel station and its acquiring bank.
Good Food Trail Program
Amazing dining benefits under the Good Food Trail program.
Up to 20% savings on all 20,000+ restaurants bill payments done via Swiggy Dineout.
Offer includes restaurant & Swiggy discount.
Offer valid only on payments done with the Swiggy app.
Features
2% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands. For list of eligible partner brands click here
1% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends
1% back as NeuCoins on UPI spends (including spends on partner Tata Brands) - maximum of 500 NeuCoins per calendar month. For more information on UPI spend on RuPay Credit Card, click here
Earn additional 5% back as NeuCoins on selected categories on Tata Neu App/Website, post downloading Tata Neu App and registering for Tata NeuPass. For details on the Tata NeuPass, please click here
Joining fee is Rs. 499 + GST.
Annual fee is Rs. 499 + GST. Annual fee waived off on annual spends of Rs. 50,000.
2,000 reward points on spending Rs. 2,000 within 30 days of card issuance.
1 reward point on spending every Rs. 100 on shopping (except education, insurance rent payment, wallet load, fuel and utility expenses).
2X reward points on online spends (except education, insurance rent payment, wallet load, fuel and utility expenses).
10% off (up to Rs. 100) on BookMyShow movie tickets.
Up to Rs. 100 fuel surcharge waiver per month.
The facility to convert available cash limit into instant personal loan for 3 months tenure with zero processing charges and 1.16% per month interest rate.
No interest on cash withdrawal for up to 50 days. Know More....
As a welcome benefit, the AU Altura Credit Card offers a 5% cashback on retail spends of ₹2500 or more within 60 days of card issuance. The maximum cashback allowed per statement cycle is ₹150.
You'll receive a 2% cashback at departmental stores, grocery stores, and on all utility bill payments.
For all other retail spends, you'll receive a 1% cashback. However, no cashback will be given on fuel spends.
The maximum cashback allowed per statement cycle is ₹50.
By reaching a retail spend milestone of ₹10000 or more in a month, you can earn an additional cashback of ₹50.
As an AU Altura Credit Cardholder, you'll be entitled to 2 complimentary accesses per quarter to the railway lounges using your VISA card.
These complimentary accesses can be availed at select railway stations in New Delhi, Kolkata (Sealdah), Agra, Madurai, Jaipur, and Ahmedabad. Please note that add-on cardholders can also enjoy this offer, but the visits will be counted under the primary cardholder.
