Head-to-head · 🇮🇳 India
HDFC Regalia Gold vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
HDFC Bank
HDFC Regalia Gold
VISA
Wins 6 of 10
IN
Premium
SBI Card
SBI Aurum
Wins 1 of 10
Verdict
HDFC Regalia Gold wins 6-1. Mid-tier travel + dining without the Diners Black price tag SBI Aurum is still the right call if invitation-only super-premium sbi metal card..
Side-by-side
| Criterion | HDFC Regalia Gold | SBI Aurum |
|---|---|---|
| Annual fee | ₹2,500 | · ₹9,999 |
| Joining fee | ₹2,500 | · ₹9,999 |
| Top reward rate | 25% (travel) | · 4% (general) |
| Base reward rate | = 4% | = 4% |
| Forex markup | · 2% | 1.99% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | ₹400,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹1,200,000 | · ₹3,500,000 |
| Min credit score | 770 | · 800 |
| Editorial rating | = 4.6/5 | = 4.6/5 |
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 Aurum
- 4 reward points per ₹100 (~4% value)
- Unlimited domestic + 6 international lounge visits/quarter
- Concierge 24x7
- Taj Inner Circle membership
- 2 free golf rounds/month
FAQ
›HDFC Regalia Gold vs SBI Aurum: which is better?
HDFC Regalia Gold wins on more dimensions (6 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 Aurum 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 Aurum: 10,000 reward points + ₹10,000 brand voucher.