Head-to-head · 🇮🇳 India
HDFC Regalia vs SBI Prime
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 Prime
Wins 3 of 10
Verdict
HDFC Regalia wins 5-3. Mid-tier travel without the Regalia Gold price tag. SBI Prime is still the right call if step up from simplyclick with lounge access..
Side-by-side
| Criterion | HDFC Regalia | SBI Prime |
|---|---|---|
| Annual fee | ₹2,500 | · ₹2,999 |
| Joining fee | ₹2,500 | · ₹2,999 |
| Top reward rate | · 2.7% (general) | 5% (shopping) |
| Base reward rate | 2.7% | · 1.25% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points on first 90-day spend | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) |
| Fee waiver threshold | = ₹300,000 / yr | = ₹300,000 / yr |
| Min income | · ₹1,200,000 | ₹480,000 |
| Min credit score | · 770 | 750 |
| Editorial rating | 4.3/5 | · 4.2/5 |
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 Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Club Vistara Silver + Trident Privilege Red
FAQ
›HDFC Regalia vs SBI Prime: 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 Prime 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 Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra).