HDFC Bank Regalia Gold Credit Card vs SBI Card PRIME
How HDFC Bank Regalia Gold Credit Card and SBI Card PRIME compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
Neither is lifetime-free: HDFC Bank Regalia Gold Credit Card costs ₹2,500 + GST (waived on ₹4L annual spend) and SBI Card PRIME costs ₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal fee waived on ₹3 lakh annual spend) — both waivable on spend, so the rewards decide it.
HDFC Bank Regalia Gold Credit Card — better for frequent flyers who want lounge access plus accelerated shopping rewards.
SBI Card PRIME — better for mid-to-high spenders who put ₹3l+/year through one card and want lounge access plus strong dining/grocery rewards and milestone vouchers.
Side by side
| HDFC Bank Regalia Gold Credit CardHDFC Bank | SBI Card PRIMESBI Card | |
|---|---|---|
| Annual fee | ₹2,500 + GST (waived on ₹4L annual spend) | ₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal fee waived on ₹3 lakh annual spend) |
| Reward rate | ~1.25% base (5 RP/₹200, from May 2026); 5X at select brands | 10 RP/₹100 on dining, groceries, movies and departmental stores; 2 RP/₹100 on all other spends; 1 RP = ₹0.25 (accelerated points reportedly capped ~7,500 RP/month) |
| Lifetime-free | No | No |
| Network | Visa / Mastercard | Visa / Mastercard / RuPay / American Express |
| Eligibility | Salaried ₹1L+/mo (21–60); self-employed ITR ≥₹18L (21–65) | Age approx 18-80 years; income criteria not officially published (aggregator-sourced, approx) |
| Best for | Frequent flyers who want lounge access plus accelerated shopping rewards. | Mid-to-high spenders who put ₹3L+/year through one card and want lounge access plus strong dining/grocery rewards and milestone vouchers. |
HDFC Bank Regalia Gold Credit Card
- Complimentary domestic and international airport-lounge visits
- 5X reward points at Myntra, Nykaa, Reliance Digital & M&S (cap 5,000 RP/mo)
- ₹2,500 joining fee offset by a ₹2,500 welcome voucher
SBI Card PRIME
- 10 RP/₹100 on dining, groceries, movies and departmental stores; 2 RP/₹100 elsewhere (1 RP = ₹0.25)
- 8 complimentary domestic + 4 international Priority Pass lounge visits/year (capped 2/quarter each)
- Milestone vouchers: ₹1,000 Pizza Hut e-voucher on ₹50,000 quarterly spend + ₹7,000 Yatra/Pantaloons voucher on ₹5L annual spend
HDFC Bank Regalia Gold Credit Card vs SBI Card PRIME — FAQs
Neither is universally better. HDFC Bank Regalia Gold Credit Card suits frequent flyers who want lounge access plus accelerated shopping rewards. SBI Card PRIME suits mid-to-high spenders who put ₹3l+/year through one card and want lounge access plus strong dining/grocery rewards and milestone vouchers. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Neither is lifetime-free: HDFC Bank Regalia Gold Credit Card costs ₹2,500 + GST (waived on ₹4L annual spend) and SBI Card PRIME costs ₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal fee waived on ₹3 lakh annual spend) — both waivable on spend, so the rewards decide it. On rewards, HDFC Bank Regalia Gold Credit Card gives domestic & international airport-lounge access plus 5x points at select brands. whereas SBI Card PRIME gives 10 reward points per ₹100 on dining, groceries, movies and departmental stores (1 rp = ₹0.25, so ~2.5% value) plus ₹3,000 welcome voucher.
HDFC Bank Regalia Gold Credit Card: ₹2,500 + GST (waived on ₹4L annual spend). SBI Card PRIME: ₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal fee waived on ₹3 lakh annual spend). Both fees can usually be waived on annual spend — check the thresholds on each issuer's page.
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.