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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.
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Last updated: 17 July 2026

Both HDFC Bank Regalia Gold Credit Card and SBI Prime 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 Prime Credit Card costs ₹2,999 + GST and earns 10 RPs/₹100 on Dining, Groceries, Departmental Stores, Movies; 2 RPs/₹100 on other retail 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 Prime Credit Card counters with 8 complimentary visits per calendar year to Domestic Lounges (max 2 visits/quarter). If travel spending matters more, go with HDFC Bank Regalia Gold Credit Card; if dining is the priority, SBI Prime Credit Card fits better.

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
Joining Fee₹2,999 + GST
Renewal Fee₹2,500 + GST
Renewal Fee₹2,999 + GST
Spend Based WaiverRenewal Fee waived upon spending ₹4 Lakhs in an anniversary year (12 billing cycles).
Spend Based WaiverRenewal fee waived off if minimum of ₹3 lakhs spent in the previous year.
Foreign Transaction Fees2% + GST applies on all international foreign currency transactions.
Foreign Transaction Fees3.5% + GST
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 BonusWelcome e-Gift voucher worth ₹3,000 from Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, Shoppers Stop.
Rewards RateEarn 4 RPs on ₹150 retail spend; 20 RPs on ₹150 at Nykaa, Reliance Digital, Myntra, M&S.
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 Fee₹99 + GST is charged per redemption of reward points.
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge Access12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards.
Domestic Lounge Access8 complimentary domestic airport lounge visits per annum (maximum 2 visits per quarter).
International Lounge Access6 complimentary international lounge visits per year via Priority Pass for primary & add-on members.
International Lounge Access4 complimentary international airport lounge access every year with Priority Pass Membership (max 2 per quarter).
Travel BenefitsOffers extensive travel perks including flight vouchers, discounts, and complimentary lounge access.
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 BenefitsFLAT 10% EXTRA OFF at 35,000+ restaurants. Get ₹200 Off on Swiggy Dineout twice monthly.
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 WaiverNot Applicable for fuel transactions with this HDFC Bank Regalia Gold Credit Card.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions between ₹500-₹4,000, capped at ₹250/month.

Security & Other

Insurance Benefits₹1 Cr air death cover, ₹15 Lakhs overseas hospitalization, ₹9 Lakhs credit liability cover.
Insurance BenefitsFraud Liability Cover Worth ₹1 Lakh and complimentary air accident liability cover of ₹50 lakhs.
Cash Advance ChargesEither 2.5% of amount or ₹500, whichever of these two values 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 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 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.

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.

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.

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 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.
Apply for HDFC Bank Regalia Gold Credit Card(opens in new tab)Apply for SBI Prime Credit Card(opens in new tab)