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Side-by-Side Comparison|Updated March 2026

HDFC Bank Regalia Gold vs SBI Card PRIME

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 PRIME

7.2/10
Annual Fee₹2,999
Base Rewards0.125%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank Regalia GoldSBI Card PRIME
Annual Fee₹2,500₹2,999
Joining Fee₹2,500₹2,999
Fee Waiver Spend₹4,00,000₹3,00,000
Base Reward Rate0.5333333333333334%0.125%
Reward CurrencyReward PointsReward Points
NetworkVisaVisa
Editor Rating8.5/107.2/10
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 PRIME

  • 0% on Dining
  • 0% on Groceries
  • 0% on Movies

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 PRIME

Pros

  • Accelerated 10 Reward Points per ₹100 on dining, groceries, and movies (2.5% value back).
  • Generous welcome benefit with a ₹3,000 e-gift voucher that offsets the joining fee.
  • Comprehensive lounge access with 8 domestic and 4 international visits annually.
  • Milestone vouchers worth up to ₹11,000 annually on reaching spend targets.

Cons

  • Low base reward rate of 0.5% (2 points per ₹100) on general spends.
  • High foreign currency markup of 3.5% compared to other premium cards.
  • Reward points on utility bills are capped and only applicable for standing instructions.

Our Verdict

HDFC Bank Regalia Gold edges ahead overall with a stronger combination of rewards and value. However, SBI Card PRIME could be the better pick if its specific category strengths match your spending habits.

Choose HDFC Bank Regalia Gold if

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

Choose SBI Card PRIME if

High rewards on everyday categories like dining, groceries, and movies.

Frequently Asked Questions

Which is better: HDFC Bank Regalia Gold or SBI Card PRIME?
HDFC Bank Regalia Gold edges ahead overall with a stronger combination of rewards and value. However, SBI Card PRIME could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank Regalia Gold and SBI Card PRIME?
HDFC Bank Regalia Gold has an annual fee of ₹2,500, while SBI Card PRIME has an annual fee of ₹2,999. HDFC Bank Regalia Gold offers a fee waiver on ₹4,00,000 annual spend. SBI Card PRIME offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: HDFC Bank Regalia Gold or SBI Card PRIME?
HDFC Bank Regalia Gold offers a base reward rate of 0.5333333333333334% with accelerated rewards on Lifestyle Brands and SmartBuy Hotels. SBI Card PRIME offers 0.125% base rewards with bonuses on Dining and Groceries. The better choice depends on your primary spending categories.
Can I have both HDFC Bank Regalia Gold and SBI Card PRIME?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Regalia Gold and SBI Card PRIME can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Regalia Gold or SBI Card PRIME?
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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