Head-to-head · 🇮🇳 India
HDFC Regalia vs SBI Pulse
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Regalia
VISA
Wins 4 of 10
IN
SBI Card
SBI Pulse
Wins 5 of 10
Verdict
SBI Pulse wins 5-4. Health/fitness focused — smartwatch + wellness benefits. HDFC Regalia is still the right call if mid-tier travel without the regalia gold price tag..
Side-by-side
| Criterion | HDFC Regalia | SBI Pulse |
|---|---|---|
| Annual fee | · ₹2,500 | ₹1,499 |
| Joining fee | · ₹2,500 | ₹1,499 |
| Top reward rate | 2.7% (general) | · 1% (general) |
| Base reward rate | 2.7% | · 1% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points on first 90-day spend | = Noise smartwatch on activation + 5,000 reward points |
| Fee waiver threshold | · ₹300,000 / yr | ₹200,000 / yr |
| Min income | · ₹1,200,000 | ₹360,000 |
| 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 Pulse
- Free Noise ColorFit Pulse 2 smartwatch
- 4 reward points per ₹100 on chemists, dining, movies
- 4 domestic lounge visits/year
- 1-year FITPASS PRO membership
- Cult.fit + 1mg discount partnerships
FAQ
›HDFC Regalia vs SBI Pulse: which is better?
SBI Pulse 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 Pulse 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 Pulse: Noise smartwatch on activation + 5,000 reward points.