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Side-by-Side Comparison|Updated March 2026

HDFC Bank Regalia First 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 First

5.5/10
Annual Fee₹1,000
Base Rewards0.6%
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 FirstSBI Card AURUM
Annual Fee₹1,000₹9,999
Joining Fee₹1,000₹9,999
Fee Waiver Spend₹1,00,000₹12,00,000
Base Reward Rate0.6%1%
Reward CurrencyReward PointsAURUM Reward Point
NetworkVisaVisa
Editor Rating5.5/108.5/10
Forex Markup3.5%3.5%

Pros & Cons

HDFC Bank Regalia First

Pros

  • Low foreign currency markup fee of 2% compared to standard 3.5%
  • Reward points can be redeemed for flights and hotels at a value of ₹0.30 per point
  • Comprehensive insurance cover including ₹50 Lakh Air Accident Death Cover
  • Milestone bonus of up to 7,500 Reward Points on annual spends of ₹6 Lakhs

Cons

  • Complimentary airport lounge access (domestic and international) has been discontinued since Dec 2023
  • Base reward rate reduced to 3 RP per ₹150 spent from Sep 2024
  • Card is no longer available for new applications

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

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

Choose HDFC Bank Regalia First if

Existing users who spend moderately and want a low-fee card with decent travel redemption value.

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 First or SBI Card AURUM?
SBI Card AURUM edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Regalia First could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank Regalia First and SBI Card AURUM?
HDFC Bank Regalia First has an annual fee of ₹1,000, while SBI Card AURUM has an annual fee of ₹9,999. HDFC Bank Regalia First offers a fee waiver on ₹1,00,000 annual spend. SBI Card AURUM offers a fee waiver on ₹12,00,000 annual spend.
Which card has better rewards: HDFC Bank Regalia First or SBI Card AURUM?
HDFC Bank Regalia First offers a base reward rate of 0.6%. SBI Card AURUM offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both HDFC Bank Regalia First and SBI Card AURUM?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Regalia First and SBI Card AURUM can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Regalia First or SBI Card AURUM?
For beginners, HDFC Bank Regalia First may be more approachable with a lower annual fee of ₹1,000. However, evaluate based on your expected spending pattern rather than fee alone.

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