Head-to-head · 🇮🇳 India
IRCTC SBI Premier vs HDFC Regalia
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
IRCTC SBI Premier
RuPay
Wins 6 of 10
IN
HDFC Bank
HDFC Regalia
VISA
Wins 3 of 10
Verdict
IRCTC SBI Premier wins 6-3. Frequent rail travelers — 10% IRCTC train ticket value back. HDFC Regalia is still the right call if mid-tier travel without the regalia gold price tag..
Side-by-side
| Criterion | IRCTC SBI Premier | HDFC Regalia |
|---|---|---|
| Annual fee | ₹1,499 | · ₹2,500 |
| Joining fee | ₹1,499 | · ₹2,500 |
| Top reward rate | 10% (travel) | · 2.7% (general) |
| Base reward rate | · 1% | 2.7% |
| Forex markup | · 4% | 2% |
| Welcome bonus | = 1,500 IRCTC reward points | = 2,500 reward points on first 90-day spend |
| Fee waiver threshold | ₹200,000 / yr | · ₹300,000 / yr |
| Min income | ₹360,000 | · ₹1,200,000 |
| Min credit score | 720 | · 770 |
| Editorial rating | · 4/5 | 4.3/5 |
Benefits compared
IRCTC SBI Premier
- 10% rewards on IRCTC train ticket bookings
- 4 reward points per ₹125 on dining + groceries
- Up to 5% railway lounge access discount
- 8 complimentary domestic airport lounge visits/year
- 4% forex markup (high — not for international)
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
FAQ
›IRCTC SBI Premier vs HDFC Regalia: which is better?
IRCTC SBI 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 IRCTC SBI Premier for its best categories, HDFC Regalia for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
IRCTC SBI Premier: 1,500 IRCTC reward points. HDFC Regalia: 2,500 reward points on first 90-day spend.