Head-to-head · 🇮🇳 India
SBI Cashback vs HDFC Regalia
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI Cashback
VISA
Wins 7 of 10
IN
HDFC Bank
HDFC Regalia
VISA
Wins 2 of 10
Verdict
SBI Cashback wins 7-2. Pure online cashback — 5% on any online merchant, no partner restrictions. HDFC Regalia is still the right call if mid-tier travel without the regalia gold price tag..
Side-by-side
| Criterion | SBI Cashback | HDFC Regalia |
|---|---|---|
| Annual fee | ₹999 | · ₹2,500 |
| Joining fee | ₹999 | · ₹2,500 |
| Top reward rate | 5% (shopping) | · 2.7% (general) |
| Base reward rate | · 1% | 2.7% |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | = Cashback offsets joining fee on first ₹999+ spend | = 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 | 750 | · 770 |
| Editorial rating | 4.6/5 | · 4.3/5 |
Benefits compared
SBI Cashback
- 5% cashback on ALL online spends (not just listed merchants) — capped ₹5,000/month
- 1% cashback on offline spends
- Auto-credited within 2 days of statement
- 1% fuel surcharge waiver
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
›SBI Cashback vs HDFC Regalia: which is better?
SBI Cashback wins on more dimensions (7 vs 2). 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 SBI Cashback for online shopping, HDFC Regalia for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI Cashback: Cashback offsets joining fee on first ₹999+ spend. HDFC Regalia: 2,500 reward points on first 90-day spend.