Head-to-head · 🇮🇳 India
HDFC Regalia vs SBI Air India Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Regalia
VISA
Wins 5 of 10
IN
SBI Card
SBI Air India Signature
VISA
Wins 2 of 10
Verdict
HDFC Regalia wins 5-2. Mid-tier travel without the Regalia Gold 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 | SBI Air India Signature |
|---|---|---|
| Annual fee | ₹2,500 | · ₹4,999 |
| Joining fee | ₹2,500 | · ₹4,999 |
| Top reward rate | · 2.7% (general) | 8% (travel) |
| Base reward rate | 2.7% | · 2% |
| Forex markup | · 2% | 1.99% |
| Welcome bonus | = 2,500 reward points on first 90-day spend | = 20,000 Air India reward points |
| Fee waiver threshold | ₹300,000 / yr | · ₹500,000 / yr |
| Min income | = ₹1,200,000 | = ₹1,200,000 |
| Min credit score | 770 | · 780 |
| Editorial rating | = 4.3/5 | = 4.3/5 |
Benefits compared
HDFC Regalia
- 4 reward points per ₹150
- 12 domestic + 6 international lounge visits/year
- Low forex markup 2%
- Buy-1-get-1 BookMyShow tickets
- Milestone reward points at ₹1L, ₹5L
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 vs SBI Air India Signature: which is better?
HDFC Regalia wins on more dimensions (5 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 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: 2,500 reward points on first 90-day spend. SBI Air India Signature: 20,000 Air India reward points.