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HDFC Bank Regalia Credit Card VS SBI ELITE Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 17 July 2026

Both SBI ELITE Credit Card and HDFC Bank Regalia Credit Card suit travel-focused spenders, but they earn and cost differently. SBI ELITE Credit Card costs ₹4,999 + GST and earns 10 RPs/₹100 on dining, grocery & departmental stores (capped). 2 RPs/₹100 on other spends. HDFC Bank Regalia Credit Card costs ₹2,500 + GST and earns 4 Reward Points on every Rs. 150 spent on retail. SBI ELITE Credit Card also brings 2 complimentary domestic airport lounge visits per quarter via Visa/MasterCard/AmEx networks, while HDFC Bank Regalia Credit Card counters with 8 complimentary accesses per year, spend-based (Rs. 1 lakh per quarter for 2 vouchers). If shopping spending matters more, go with SBI ELITE Credit Card; if premium is the priority, HDFC Bank Regalia Credit Card fits better.

HDFC Bank Regalia Credit Card
HDFC Bank Regalia Credit Card
SBI ELITE Credit Card
SBI ELITE Credit Card

Fees & Charges

Joining Fee₹2,500 + GST
Joining Fee₹4,999 + GST
Renewal Fee₹2,500 + GST
Renewal Fee₹4,999 + GST
Spend Based WaiverAnnual fee waiver (second year onwards) on spending Rs. 3 lakhs or more in the previous year.
Spend Based WaiverRenewal fee waived on annual spends of ₹10 Lakh or more in the previous anniversary year.
Foreign Transaction Fees2% on all foreign currency transactions.
Foreign Transaction Fees1.99% of the transaction amount.
Interest Rate (APR)3.6% per month or 43.2% annually on outstanding amount.
Interest Rate (APR)3.75% per month (45% per annum).

Rewards & Benefits

Welcome Bonus2,500 bonus Reward Points are awarded after the successful realization of the joining fee.
Welcome Bonus₹5,000 e-Gift Voucher, complimentary Priority Pass membership ($99 value), and 1-year Club ITC Silver Tier.
Rewards RateEarn 4 Reward Points on every Rs. 150 spent on retail.
Rewards Rate10 RPs/₹100 on dining, grocery & departmental stores (capped). 2 RPs/₹100 on other spends.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeRs. 99 (plus applicable taxes) charged on every redemption request.
Reward Redemption Fee₹99 + GST per redemption.

Travel & Lifestyle

Domestic Lounge Access8 complimentary accesses per year, spend-based (Rs. 1 lakh per quarter for 2 vouchers).
Domestic Lounge Access2 complimentary domestic airport lounge visits per quarter via Visa/MasterCard/AmEx networks.
International Lounge AccessPriority Pass membership with 6 complimentary lounge visits per year outside India.
International Lounge Access6 complimentary international lounge visits annually (max 2/quarter) with 2-year Priority Pass.
Travel BenefitsComplimentary domestic/international lounge access, travel insurance, and accelerated rewards on bookings.
Travel BenefitsDiscounts on hotels (Lalit, F&B), car rentals (Hertz, Avis), luxury hotel privileges & Tablet Plus.
Movie BenefitsNot Applicable
Movie Benefits2 complimentary movie tickets monthly (max ₹6,000 annually, ₹250/ticket) for primary cardholders.
Dining BenefitsGet up to 20% off on partner restaurants via Swiggy Dineout when payment is made via the Swiggy application.
Dining Benefits10X RPs on dining. Up to 25% off at partner restaurants & up to ₹600 instant discount on food apps (AmEx).
Golf BenefitsNot applicable.
Golf BenefitsComplimentary golf rounds (4 green fees) & 1 lesson monthly with MasterCard/RuPay variants.
Fuel Surcharge Waiver1% waiver on transactions Rs. 400-5,000, capped at Rs. 500 per month.
Fuel Surcharge Waiver1% waiver on fuel transactions (₹500-₹4,000), capped at ₹250 per month.

Security & Other

Insurance BenefitsAccidental air death cover of Rs. 1 Cr, emergency overseas hospitalization up to Rs. 15 lakhs.
Insurance Benefits₹1 lakh lost card liability cover & ₹1 lakh credit card fraud liability cover.
Cash Advance Charges2.5% of transaction amount or Rs. 500, whichever is higher.
Cash Advance Charges2.5% of withdrawal amount, minimum ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank Regalia Credit Card

SBI ELITE Credit Card

Who is it for?

The HDFC Bank Regalia Credit Card is a premium offering designed for individuals seeking significant travel and lifestyle benefits. It provides a robust rewards program with 4 Reward Points on every Rs. 150 spent, complemented by welcome and milestone bonuses. Cardholders enjoy complimentary domestic and international lounge access, a low foreign currency markup, and comprehensive insurance coverage, making it ideal for frequent travelers and those seeking exclusive privileges.

Who is it for?

The SBI ELITE Credit Card is a premium offering designed for individuals seeking extensive privileges across various spending categories. It provides top-tier benefits like complimentary domestic and international airport lounge access, valuable shopping vouchers, and free movie tickets. Cardholders also enjoy accelerated reward points on dining, grocery, and departmental store spends. This card is ideal for those with significant lifestyle and travel expenditures, offering a comprehensive suite of luxury experiences.

Pros

Key benefits and features.

Generous welcome bonus reward points and a competitive reward rate.

Low foreign exchange markup fee of 2% on international transactions.

Complimentary domestic and international lounge access with Priority Pass.

Significant milestone benefits with bonus reward points on annual spending.

Pros

Key benefits and features.

The SBI ELITE Credit Card offers generous welcome benefits, including a ₹5,000 e-Gift Voucher.

Enjoy comprehensive lounge access with 2 domestic visits quarterly and 6 international visits annually.

The card provides extensive privileges across travel, dining, and shopping, making it a versatile choice.

Annual fee waiver on ₹10 lakhs annual spend is achievable for high spenders, offsetting the cost.

Excellent travel and lifestyle privileges cater perfectly to frequent travelers and luxury enthusiasts.

Cons

Key drawbacks and limitations.

Other HDFC cards might offer better benefits or redemption options.

Many spend categories like fuel, rentals, and government spends do not earn reward points.

Reward points have an expiry period of 2 years from the date of accumulation.

Domestic lounge access is spend-based, requiring Rs. 1 lakh spend per quarter.

Cons

Key drawbacks and limitations.

The general reward rate of 0.5% on most spends is lower than some competing premium cards.

The high annual fee of ₹4,999 can be a drawback if the spend-based waiver condition is not met.

Add-on cardholders do not receive international lounge access, limiting benefits for family members.

The accelerated 10X reward points are capped monthly, limiting high earners from maximizing benefits.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for HDFC Bank Regalia Credit Card(opens in new tab)Apply for SBI ELITE Credit Card(opens in new tab)