SBI Prime vs HDFC Regalia Credit Card
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Last Updated : March 1, 2025, 3:54 p.m.
Both the HDFC Regalia Credit Card and the SBI Prime Credit Card are designed for premium users. But, they cater to different financial and lifestyle preferences. These two credit cards are amongst the most popular rewards focused credit cards in the market. Let us now compare both these credit cards in this article - SBI Prime Credit Card Versus HDFC Regalia Credit Card. Then, you can apply for the credit card that you want as per your spending patterns. Before applying for it, check your credit score for free on Wishfin. Also view your detailed credit report.
Comparison of all Offers of SBI Prime Credit Card and HDFC Regalia Credit Card
The SBI Prime Credit Card offers accelerated earnings on movies, departmental store spends, grocery, and dining. Cardholders can get a gift voucher worth up to Rs. 11,000 in a year on achieving spend milestones in a year. The card also offers complimentary domestic and international lounge visits. This card offers good value to individuals who spend high in the bonus categories. However, the card has a very high annual fee. The HDFC Regalia Credit Card comes with various rewards on luxury and travel. The card has multiple benefits across different categories, such as lifestyle, travel, and dining. The table below compares both the cards
Parameter | HDFC Bank Regalia Credit Card | SBI Prime Credit Card |
---|---|---|
Joining fee |
|
|
Renewal fee per annum | - |
|
Welcome benefit |
| Get a welcome e-gift voucher worth Rs. 3000 from either of the following reputed brands:
|
Rewards |
|
|
Rewards Redemption |
| - |
Interest rate |
|
|
Milestone benefits |
|
|
Lounge Access |
|
|
Golf benefits | N/A |
|
Spend based waiver |
|
|
Fuel |
|
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Movie and dining benefits |
|
|
Cash advance fee |
|
|
Which Card to Choose?
Now that we have compared SBI Prime Credit Card Versus HDFC Regalia Credit Card, which card do you think is better? Which one should you opt for? Both the HDFC Bank Regalia Credit Card and SBI Prime Credit Card give great benefits like golf, milestone spends, lounge access, fuel surcharge waiver, etc. So, which card you choose depends on your needs and spending habits. If you look at overall cost efficiency, want to earn reward points across multiple categories, are interested in golf features, and have a heavy travelling duty within the country, then you should go for the SBI Prime card. On the other hand, if you are traveling overseas frequently and want to get a low forex markup free, then you can go in for the HDFC Regalia credit card.
Frequently Asked Questions (FAQs)