HDFC Regalia Gold vs IRCTC SBI Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IRCTC SBI Premier wins 5-4. Frequent rail travelers — 10% IRCTC train ticket value back. HDFC Regalia Gold is still the right call if mid-tier travel + dining without the diners black price tag.
Side-by-side
| Criterion | HDFC Regalia Gold | IRCTC SBI Premier |
|---|---|---|
| Annual fee | · ₹2,500 | ₹1,499 |
| Joining fee | · ₹2,500 | ₹1,499 |
| Top reward rate | 25% (travel) | · 10% (travel) |
| Base reward rate | 4% | · 1% |
| Forex markup | 2% | · 4% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = 1,500 IRCTC reward points |
| Fee waiver threshold | · ₹400,000 / yr | ₹200,000 / yr |
| Min income | · ₹1,200,000 | ₹360,000 |
| Min credit score | · 770 | 720 |
| Editorial rating | 4.6/5 | · 4/5 |
Benefits compared
HDFC Regalia Gold
- 5x reward points on travel + dining via SmartBuy
- 4 complimentary international lounge visits per year (Priority Pass)
- 12 complimentary domestic lounge visits per year
- Annual memberships: Club Vistara Silver, MMT Black Elite
- Low forex markup: 2%
- Milestone benefits at ₹1.5L, ₹3L and ₹4L spend
IRCTC SBI Premier
- 10% rewards on IRCTC train ticket bookings
- 4 reward points per ₹125 on dining + groceries
- Up to 5% railway lounge access discount
- 8 complimentary domestic airport lounge visits/year
- 4% forex markup (high — not for international)
FAQ
›HDFC Regalia Gold vs IRCTC SBI Premier: which is better?
IRCTC SBI Premier wins on more dimensions (5 vs 4). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use HDFC Regalia Gold for its best categories, IRCTC SBI Premier for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Regalia Gold: 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher. IRCTC SBI Premier: 1,500 IRCTC reward points.