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HDFC Bank Regalia Gold 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.

Features

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

Fees & Charges

Joining Fee
₹2,500 + GST
₹2,999 + GST
Renewal Fee
₹2,500 + GST
₹2,999 + GST
Spend Based Waiver
Renewal Fee waived upon spending ₹4 Lakhs in an anniversary year (12 billing cycles).
Renewal fee waived on annual spends of ₹3 Lakhs in the previous year.
Foreign Transaction Fees
2% + GST applies on all international foreign currency transactions.
3.5% of the transaction amount for international purchases.
Interest Rate (APR)
Revolving credit interest rate is 3.75% per month, equating to 45% annually.
3.75% per month (45% per annum) on outstanding amount.

Rewards & Benefits

Welcome Bonus
₹2,500 gift voucher. Complimentary Swiggy One and MMTBLACK Gold Membership on ₹1 Lakh spend in 90 days.
e-gift Voucher worth ₹3,000 from brands like Yatra, Shoppers Stop, Pantaloons, Bata, Aditya Birla Fashion.
Rewards Rate
Earn 4 RPs on ₹150 retail spend; 20 RPs on ₹150 at Nykaa, Reliance Digital, Myntra, M&S.
10 RPs/₹100 on Dining, Groceries, Departmental Stores, Movies; 2 RPs/₹100 on other retail spends.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST is charged per redemption of reward points.
₹99 + GST.

Travel & Lifestyle

Domestic Lounge Access
12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards.
8 complimentary visits per calendar year to Domestic Lounges (max 2 visits/quarter).
International Lounge Access
6 complimentary international lounge visits per year via Priority Pass for primary & add-on members.
4 complimentary visits per calendar year to International Priority Pass Lounges (max 2 visits/quarter).
Travel Benefits
Offers extensive travel perks including flight vouchers, discounts, and complimentary lounge access.
4 complimentary international & 8 domestic lounge visits. Discounts on hotels & car rentals (variant specific).
Movie Benefits
Not Applicable
Earn 10 Reward Points per ₹100 spent on movies (capped at 7,500 RPs/month).
Dining Benefits
FLAT 10% EXTRA OFF at 35,000+ restaurants. Get ₹200 Off on Swiggy Dineout twice monthly.
Earn 10 Reward Points per ₹100 spent on dining. Up to 25% discount at partner restaurants (Amex variant).
Golf Benefits
Not Applicable
4 rounds of complimentary green fees, up to 50% off games, 1 complimentary lesson/month (Mastercard).
Fuel Surcharge Waiver
Not Applicable for fuel transactions with this HDFC Bank Regalia Gold Credit Card.
1% waiver on 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.
₹50 lakh Air Accident Liability (till Jul 2025), ₹1 lakh Fraud Liability, Zero Liability Protection.
Cash Advance Charges
Either 2.5% of amount or ₹500, whichever of these two values is higher.
2.5% of amount withdrawn or ₹500, whichever is higher.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank Regalia Gold Credit Card

SBI Prime 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 Card PRIME is a premium lifestyle credit card designed by SBI Card, offering extensive value across dining, groceries, movies, and travel. It provides accelerated rewards, generous complimentary lounge access, and valuable welcome & milestone benefits, making it an excellent choice for a well-rounded premium experience.

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.

Offers substantial reward points on key spending categories, providing good value back.

Provides generous complimentary lounge access, with 8 domestic and 4 international visits annually.

The welcome benefit of gift vouchers worth ₹3,000 is a valuable perk upon card issuance.

The annual renewal fee can be waived by achieving a reasonable annual spend of ₹3 lakhs.

Network-specific privileges add diverse benefits across golf, dining, and travel for cardholders.

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.

Basic reward rate of 2 RPs/₹100 (0.5% effective) is low compared to accelerated categories.

The value of 1 Reward Point at ₹0.25 is not the highest in the market.

Complimentary Air Accident Liability Cover of ₹50 lakhs will be discontinued from July 2025.

Accelerated reward points are capped at 7,500 RPs/month, limiting earning potential for high spenders.

₹3 lakhs annual spend for renewal fee waiver might be considered high for some users.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.