Head-to-head · 🇮🇳 India
HDFC Regalia vs SBI IRCTC Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Regalia
VISA
Wins 3 of 10
IN
SBI Card
SBI IRCTC Premier
VISA
Wins 6 of 10
Verdict
SBI IRCTC Premier wins 6-3. Heavy IRCTC train booking users. HDFC Regalia is still the right call if mid-tier travel without the regalia gold price tag..
Side-by-side
| Criterion | HDFC Regalia | SBI IRCTC Premier |
|---|---|---|
| Annual fee | · ₹2,500 | ₹1,499 |
| Joining fee | · ₹2,500 | ₹1,499 |
| Top reward rate | · 2.7% (general) | 10% (travel) |
| Base reward rate | 2.7% | · 1.25% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points on first 90-day spend | = 1,500 reward points + waived first-year fee on ₹1L spend |
| Fee waiver threshold | · ₹300,000 / yr | ₹200,000 / yr |
| Min income | · ₹1,200,000 | ₹300,000 |
| Min credit score | · 770 | 740 |
| Editorial rating | 4.3/5 | · 3.9/5 |
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 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 vs SBI IRCTC Premier: which is better?
SBI IRCTC Premier wins on more dimensions (6 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 IRCTC Premier 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 IRCTC Premier: 1,500 reward points + waived first-year fee on ₹1L spend.