HDFC Regalia Gold vs SBI IRCTC Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
SBI IRCTC Premier wins 5-4. Heavy IRCTC train booking users. 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 IRCTC Premier |
|---|---|---|
| Annual fee | · ₹2,500 | ₹1,499 |
| Joining fee | · ₹2,500 | ₹1,499 |
| Top reward rate | 25% (travel) | · 10% (travel) |
| Base reward rate | 4% | · 1.25% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = 1,500 reward points + waived first-year fee on ₹1L spend |
| Fee waiver threshold | · ₹400,000 / yr | ₹200,000 / yr |
| Min income | · ₹1,200,000 | ₹300,000 |
| Min credit score | · 770 | 740 |
| Editorial rating | 4.6/5 | · 3.9/5 |
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 IRCTC Premier
- 10% IRCTC reward points on train ticket bookings
- 1.25% on other spends
- 4 IRCTC lounge visits/year
- 1% transaction fee waiver on IRCTC site
FAQ
›HDFC Regalia Gold vs SBI IRCTC Premier: which is better?
SBI IRCTC 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, SBI IRCTC 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. SBI IRCTC Premier: 1,500 reward points + waived first-year fee on ₹1L spend.