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Side-by-Side Comparison|Updated March 2026

HDFC Bank Regalia Gold vs SBI Card AURUM

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

HDFC Bank

HDFC Bank Regalia Gold

8.5/10
Annual Fee₹2,500
Base Rewards0.5333333333333334%
NetworkVisa
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SBI Card

SBI Card AURUM

8.5/10
Annual Fee₹9,999
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank Regalia GoldSBI Card AURUM
Annual Fee₹2,500₹9,999
Joining Fee₹2,500₹9,999
Fee Waiver Spend₹4,00,000₹12,00,000
Base Reward Rate0.5333333333333334%1%
Reward CurrencyReward PointsAURUM Reward Point
NetworkVisaVisa
Editor Rating8.5/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Regalia Gold

  • 0% on Lifestyle Brands
  • 0% on SmartBuy Hotels
  • 0% on SmartBuy Flights

SBI Card AURUM

No accelerated rewards listed

Pros & Cons

HDFC Bank Regalia Gold

Pros

  • High reward rate of up to 13.3% on select lifestyle brands like Myntra and Nykaa.
  • Comprehensive lounge access with 12 domestic and 6 international visits annually.
  • Generous milestone benefits including up to ₹10,000 in flight vouchers per year.
  • Low foreign currency markup of 2% compared to the standard 3.5%.

Cons

  • Reward points expire after 2 years, requiring active management.
  • Base reward rate is relatively modest at 1.33% for general spends.
  • No reward points on fuel, rent, and wallet loads.

SBI Card AURUM

Pros

  • Welcome benefit of 40,000 points (₹10,000 value) fully offsets the joining fee.
  • Unlimited international lounge access with a rare complimentary guest visit per quarter.
  • Extensive lifestyle memberships including Club Marriott, Amazon Prime, and WSJ/Mint.
  • High-value milestone rewards including Apple and Taj vouchers worth up to ₹35,000 annually.

Cons

  • Low base reward rate of 1% compared to other super-premium cards.
  • Invite-only status makes it inaccessible to the general public.
  • High annual fee waiver threshold of ₹12 Lakhs.

Our Verdict

Both HDFC Bank Regalia Gold and SBI Card AURUM are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose HDFC Bank Regalia Gold if

Offers extensive lounge access and high-value flight vouchers through milestones.

Choose SBI Card AURUM if

The card offers a suite of luxury memberships, concierge services, and a metal form factor that aligns with an elite lifestyle.

Frequently Asked Questions

Which is better: HDFC Bank Regalia Gold or SBI Card AURUM?
Both HDFC Bank Regalia Gold and SBI Card AURUM are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between HDFC Bank Regalia Gold and SBI Card AURUM?
HDFC Bank Regalia Gold has an annual fee of ₹2,500, while SBI Card AURUM has an annual fee of ₹9,999. HDFC Bank Regalia Gold offers a fee waiver on ₹4,00,000 annual spend. SBI Card AURUM offers a fee waiver on ₹12,00,000 annual spend.
Which card has better rewards: HDFC Bank Regalia Gold or SBI Card AURUM?
HDFC Bank Regalia Gold offers a base reward rate of 0.5333333333333334% with accelerated rewards on Lifestyle Brands and SmartBuy Hotels. SBI Card AURUM offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both HDFC Bank Regalia Gold and SBI Card AURUM?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Regalia Gold and SBI Card AURUM can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Regalia Gold or SBI Card AURUM?
For beginners, HDFC Bank Regalia Gold may be more approachable with a lower annual fee of ₹2,500. However, evaluate based on your expected spending pattern rather than fee alone.

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