HDFC Regalia Gold vs SBI Cashback
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
SBI Cashback wins 5-3. Pure online cashback — 5% on any online merchant, no partner restrictions. 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 | SBI Cashback |
|---|---|---|
| Annual fee | · ₹2,500 | ₹999 |
| Joining fee | · ₹2,500 | ₹999 |
| Top reward rate | 25% (travel) | · 5% (shopping) |
| Base reward rate | 4% | · 1% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = Cashback offsets joining fee on first ₹999+ spend |
| Fee waiver threshold | · ₹400,000 / yr | ₹200,000 / yr |
| Min income | · ₹1,200,000 | ₹360,000 |
| Min credit score | · 770 | 750 |
| 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 Cashback
- 5% cashback on ALL online spends (not just listed merchants) — capped ₹5,000/month
- 1% cashback on offline spends
- Auto-credited within 2 days of statement
- 1% fuel surcharge waiver
FAQ
›HDFC Regalia Gold vs SBI Cashback: which is better?
SBI Cashback wins on more dimensions (5 vs 3). 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 Cashback for online shopping. 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 Cashback: Cashback offsets joining fee on first ₹999+ spend.