Head-to-head · 🇮🇳 India
HDFC Regalia vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Regalia
VISA
Wins 5 of 10
IN
Premium
SBI Card
SBI Aurum
Wins 4 of 10
Verdict
HDFC Regalia wins 5-4. Mid-tier travel without the Regalia Gold price tag. SBI Aurum is still the right call if invitation-only super-premium sbi metal card..
Side-by-side
| Criterion | HDFC Regalia | SBI Aurum |
|---|---|---|
| Annual fee | ₹2,500 | · ₹9,999 |
| Joining fee | ₹2,500 | · ₹9,999 |
| Top reward rate | · 2.7% (general) | 4% (general) |
| Base reward rate | · 2.7% | 4% |
| Forex markup | · 2% | 1.99% |
| Welcome bonus | = 2,500 reward points on first 90-day spend | = 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | ₹300,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹1,200,000 | · ₹3,500,000 |
| Min credit score | 770 | · 800 |
| Editorial rating | · 4.3/5 | 4.6/5 |
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 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 vs SBI Aurum: which is better?
HDFC Regalia 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 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: 2,500 reward points on first 90-day spend. SBI Aurum: 10,000 reward points + ₹10,000 brand voucher.