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HDFC Bank Regalia Credit Card VS SBI Prime 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 HDFC Bank Regalia Credit Card and SBI Prime Credit Card suit travel-focused spenders, but they earn and cost differently. HDFC Bank Regalia Credit Card costs ₹2,500 + GST and earns 4 Reward Points on every Rs. 150 spent on retail. SBI Prime Credit Card costs ₹2,999 + GST and earns 10 Reward Points for every ₹100 spent on dining, movies, groceries, and departmental store purchases. 2 RP on other spends. HDFC Bank Regalia Credit Card also brings 8 complimentary accesses per year, spend-based (Rs. 1 lakh per quarter for 2 vouchers), while SBI Prime Credit Card counters with 8 complimentary domestic airport lounge visits per annum (maximum 2 visits per quarter). If premium spending matters more, go with HDFC Bank Regalia Credit Card; if shopping is the priority, SBI Prime Credit Card fits better.

HDFC Bank Regalia Credit Card
HDFC Bank Regalia Credit Card
SBI Prime Credit Card
SBI Prime Credit Card

Fees & Charges

Joining Fee₹2,500 + GST
Joining Fee₹2,999 + GST
Renewal Fee₹2,500 + GST
Renewal Fee₹2,999 + 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 off if minimum of ₹3 lakhs spent in the previous year.
Foreign Transaction Fees2% on all foreign currency transactions.
Foreign Transaction Fees3.5% + GST
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 BonusWelcome e-Gift voucher worth ₹3,000 from Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, Shoppers Stop.
Rewards RateEarn 4 Reward Points on every Rs. 150 spent on retail.
Rewards Rate10 Reward Points for every ₹100 spent on dining, movies, groceries, and departmental store purchases. 2 RP 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

Travel & Lifestyle

Domestic Lounge Access8 complimentary accesses per year, spend-based (Rs. 1 lakh per quarter for 2 vouchers).
Domestic Lounge Access8 complimentary domestic airport lounge visits per annum (maximum 2 visits per quarter).
International Lounge AccessPriority Pass membership with 6 complimentary lounge visits per year outside India.
International Lounge Access4 complimentary international airport lounge access every year with Priority Pass Membership (max 2 per quarter).
Travel BenefitsComplimentary domestic/international lounge access, travel insurance, and accelerated rewards on bookings.
Travel BenefitsComplimentary Club ITC Silver Membership, discounts at ITC Hotels, travel vouchers, global acceptance.
Movie BenefitsNot Applicable
Movie BenefitsEarn 10 Reward Points for every ₹100 spent on movies.
Dining BenefitsGet up to 20% off on partner restaurants via Swiggy Dineout when payment is made via the Swiggy application.
Dining BenefitsEarn 10 Reward Points for every ₹100 spent on dining; Amex variant offers up to 25% discount.
Golf BenefitsNot applicable.
Golf Benefits
Complimentary Golf Rounds and Lessons are available with Mastercard and RuPay SELECT variants.
Fuel Surcharge Waiver1% waiver on transactions Rs. 400-5,000, capped at Rs. 500 per month.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions between ₹500-₹4,000, capped at ₹250/month.

Security & Other

Insurance BenefitsAccidental air death cover of Rs. 1 Cr, emergency overseas hospitalization up to Rs. 15 lakhs.
Insurance BenefitsFraud Liability Cover Worth ₹1 Lakh and complimentary air accident liability cover of ₹50 lakhs.
Cash Advance Charges2.5% of transaction amount or Rs. 500, whichever is higher.
Cash Advance Charges2.5% of the amount withdrawn or ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank Regalia Credit Card

SBI Prime 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 Prime Credit Card is a premium lifestyle card offering value-added benefits for individuals who frequently spend on shopping and travel. It provides attractive welcome vouchers, accelerated reward points on dining, movies, groceries, and departmental stores. Cardholders also enjoy complimentary domestic and international airport lounge access, milestone benefits, and various network-specific privileges, making it a comprehensive choice for a rewarding lifestyle with a manageable annual fee.

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.

Enjoy 8 complimentary domestic and 4 international airport lounge visits annually.

Offers an attractive welcome benefit of gift vouchers worth ₹3,000 from popular brands.

The annual renewal fee can be waived upon achieving a minimum spend of ₹3 lakhs.

Offers exciting privileges across various lifestyle categories, including dining, entertainment, and golf.

Available in four variants (Mastercard, RuPay, Amex, VISA) with exclusive network benefits.

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 annual fee of ₹2,999 + GST might be high for users not maximizing benefits.

The base reward rate of 2 points per ₹100 on non-accelerated spends is relatively low.

A high interest rate of 3.75% per month (45% per annum) applies to outstanding balances.

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.
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