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HDFC Bank Regalia Gold 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 HDFC Bank Regalia Gold Credit Card and SBI ELITE Credit Card suit travel-focused spenders, but they earn and cost differently. HDFC Bank Regalia Gold Credit Card costs ₹2,500 + GST and earns 4 RPs on ₹150 retail spend; 20 RPs on ₹150 at Nykaa, Reliance Digital, Myntra, M&S. 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 Gold Credit Card also brings 12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards, while SBI ELITE Credit Card counters with 2 complimentary domestic airport lounge visits per quarter via Visa/MasterCard/AmEx networks. Weigh the fee against the reward rate above to see which fits your spending pattern better.

HDFC Bank Regalia Gold Credit Card
HDFC Bank Regalia Gold 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 WaiverRenewal Fee waived upon spending ₹4 Lakhs in an anniversary year (12 billing cycles).
Spend Based WaiverRenewal fee waived on annual spends of ₹10 Lakh or more in the previous anniversary year.
Foreign Transaction Fees2% + GST applies on all international foreign currency transactions.
Foreign Transaction Fees1.99% of the transaction amount.
Interest Rate (APR)Revolving credit interest rate is 3.75% per month, equating to 45% annually.
Interest Rate (APR)3.75% per month (45% per annum).

Rewards & Benefits

Welcome Bonus₹2,500 gift voucher. Complimentary Swiggy One and MMTBLACK Gold Membership on ₹1 Lakh spend in 90 days.
Welcome Bonus₹5,000 e-Gift Voucher, complimentary Priority Pass membership ($99 value), and 1-year Club ITC Silver Tier.
Rewards RateEarn 4 RPs on ₹150 retail spend; 20 RPs on ₹150 at Nykaa, Reliance Digital, Myntra, M&S.
Rewards Rate10 RPs/₹100 on dining, grocery & departmental stores (capped). 2 RPs/₹100 on other spends.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST is charged per redemption of reward points.
Reward Redemption Fee₹99 + GST per redemption.

Travel & Lifestyle

Domestic Lounge Access12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards.
Domestic Lounge Access2 complimentary domestic airport lounge visits per quarter via Visa/MasterCard/AmEx networks.
International Lounge Access6 complimentary international lounge visits per year via Priority Pass for primary & add-on members.
International Lounge Access6 complimentary international lounge visits annually (max 2/quarter) with 2-year Priority Pass.
Travel BenefitsOffers extensive travel perks including flight vouchers, discounts, and complimentary lounge access.
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 BenefitsFLAT 10% EXTRA OFF at 35,000+ restaurants. Get ₹200 Off on Swiggy Dineout twice monthly.
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 WaiverNot Applicable for fuel transactions with this HDFC Bank Regalia Gold Credit Card.
Fuel Surcharge Waiver1% waiver on fuel transactions (₹500-₹4,000), capped at ₹250 per month.

Security & Other

Insurance Benefits₹1 Cr air death cover, ₹15 Lakhs overseas hospitalization, ₹9 Lakhs credit liability cover.
Insurance Benefits₹1 lakh lost card liability cover & ₹1 lakh credit card fraud liability cover.
Cash Advance ChargesEither 2.5% of amount or ₹500, whichever of these two values 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 Gold Credit Card

SBI ELITE Credit Card

Who is it for?

The HDFC Bank Regalia Gold Credit Card is a premium lifestyle card designed for high-spenders, offering exclusive travel and shopping benefits. It provides strong reward rates, complimentary lounge access, and valuable milestone rewards, making it ideal for maximizing value on significant expenses. This card offers a comprehensive suite of features for a discerning clientele.

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.

Access to exclusive 24/7 concierge service for all travel and lifestyle assistance needs.

Generous lounge access with 12 domestic and 6 international visits annually for cardholders.

Strong reward rates, including 5X accelerated points on preferred partner brands like Nykaa.

Flexible redemption options for flights, hotels, vouchers, airmiles, and even cashback.

Comprehensive insurance benefits covering air death, overseas hospitalization, and credit cover.

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.

A redemption fee of ₹99 + GST is applicable on all reward point redemptions made.

The annual renewal fee waiver requires a relatively high annual spend of ₹4 Lakhs.

Reward point accrual has maximum caps on grocery and insurance transactions monthly.

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 Gold Credit Card(opens in new tab)Apply for SBI ELITE Credit Card(opens in new tab)