Head-to-head · 🇮🇳 India
HDFC Regalia Gold vs SBI ELITE
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 ELITE
Wins 2 of 10
Verdict
HDFC Regalia Gold wins 6-2. Mid-tier travel + dining without the Diners Black price tag SBI ELITE is still the right call if mid-premium sbi card with strong club benefits..
Side-by-side
| Criterion | HDFC Regalia Gold | SBI ELITE |
|---|---|---|
| Annual fee | ₹2,500 | · ₹4,999 |
| Joining fee | ₹2,500 | · ₹4,999 |
| Top reward rate | 25% (travel) | · 2% (general) |
| Base reward rate | 4% | · 2% |
| Forex markup | · 2% | 1.99% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = 5,000 bonus reward points + ₹5,000 e-gift voucher |
| Fee waiver threshold | ₹400,000 / yr | · ₹1,000,000 / yr |
| Min income | · ₹1,200,000 | ₹600,000 |
| Min credit score | = 770 | = 770 |
| Editorial rating | 4.6/5 | · 4.4/5 |
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
SBI ELITE
- 2 reward points per ₹100
- Free movie tickets (BookMyShow) up to ₹6K/year
- 6 international + 8 domestic lounge visits/year
- Club Vistara Silver + Trident Privilege Red
- Milestone benefits at ₹3L, ₹4L, ₹5L
FAQ
›HDFC Regalia Gold vs SBI ELITE: which is better?
HDFC Regalia Gold wins on more dimensions (6 vs 2). 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 ELITE 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 ELITE: 5,000 bonus reward points + ₹5,000 e-gift voucher.