Head-to-head · 🇮🇳 India
HDFC Regalia vs SBI ELITE
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 ELITE
Wins 3 of 10
Verdict
HDFC Regalia wins 5-3. Mid-tier travel without the Regalia Gold price tag. SBI ELITE is still the right call if mid-premium sbi card with strong club benefits..
Side-by-side
| Criterion | HDFC Regalia | SBI ELITE |
|---|---|---|
| Annual fee | ₹2,500 | · ₹4,999 |
| Joining fee | ₹2,500 | · ₹4,999 |
| Top reward rate | 2.7% (general) | · 2% (general) |
| Base reward rate | 2.7% | · 2% |
| Forex markup | · 2% | 1.99% |
| Welcome bonus | = 2,500 reward points on first 90-day spend | = 5,000 bonus reward points + ₹5,000 e-gift voucher |
| Fee waiver threshold | ₹300,000 / yr | · ₹1,000,000 / yr |
| Min income | · ₹1,200,000 | ₹600,000 |
| Min credit score | = 770 | = 770 |
| Editorial rating | · 4.3/5 | 4.4/5 |
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 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 vs SBI ELITE: which is better?
HDFC Regalia 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 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: 2,500 reward points on first 90-day spend. SBI ELITE: 5,000 bonus reward points + ₹5,000 e-gift voucher.