HDFC Regalia Gold vs SBI Air India Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Regalia Gold wins 7-1. Mid-tier travel + dining without the Diners Black price tag SBI Air India Signature is still the right call if air india loyalists — highest miles earn on ai bookings..
Side-by-side
| Criterion | HDFC Regalia Gold | SBI Air India Signature |
|---|---|---|
| Annual fee | ₹2,500 | · ₹4,999 |
| Joining fee | ₹2,500 | · ₹4,999 |
| Top reward rate | 25% (travel) | · 8% (travel) |
| Base reward rate | 4% | · 2% |
| Forex markup | · 2% | 1.99% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = 20,000 Air India reward points |
| Fee waiver threshold | ₹400,000 / yr | · ₹500,000 / yr |
| Min income | = ₹1,200,000 | = ₹1,200,000 |
| Min credit score | 770 | · 780 |
| Editorial rating | 4.6/5 | · 4.3/5 |
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
SBI Air India Signature
- 30 AI reward points per ₹100 on Air India bookings
- 4 reward points per ₹100 on others
- Air India Maharajah Club Silver
- 8 international + 8 domestic lounge visits/year
- Free Air India ticket on ₹5L spend
FAQ
›HDFC Regalia Gold vs SBI Air India Signature: which is better?
HDFC Regalia Gold wins on more dimensions (7 vs 1). 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, SBI Air India Signature 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. SBI Air India Signature: 20,000 Air India reward points.