SBI Prime vs HDFC Regalia Credit Card

Q: Is the SBI Prime Credit Card worth it

The card is of great value to frequent travelers It offers complimentary domestic and international lounge visits thus adding value to travelers This card is of great benefit to high spenders who usually buy in the bonus categories However the annual fee of this card is Rs 2999 and it is quite high for the set of benefits offered

Q: Which credit card is better The HDFC Regalia or the HDFC Regalia Gold

Both the credit cards provide luxurious and exclusive benefits and come at a similar joining and annual fee of Rs 2500 Both these cards provide a wide range of benefits like complimentary lounge access elite memberships and rewards on purchases However HDFC Regalia Gold has a higher annual fee waiver criteria of 4 lakhs compared to Regalias 3 lakhs To choose a better card among these you must analyze your spending abilities so that you can maximize your benefits If you are a frequent traveler loving elite travel and a brand loyalist then the HDFC Regalia gold credit card is the best choice It gives exclusive memberships like the Club Vistara Silver Tier and MMT Black Elite membership diverse rewards on reputed brands like Marks Spencers Myntra Reliance Digital Nykaa etc flight vouchers on reaching annual spends and so on HDFC Regalia on the other card is the most suitable choice for those who are looking for a high reward rate specific to any brand and bonus reward points

Q: Can I earn a fuel surcharge waiver on every transaction using the SBI Prime credit Card

No you can earn a fuel surcharge waiver of 1 on every transaction in the range of Rs 500 to Rs 4000 up to a maximum of Rs 250 in a month This is applicable for all transactions across all petrol pumps in India

Q: What is the maximum credit limit for the SBI Prime credit card

The maximum limit for the SBI Prime credit card is Rs 10000000 But the bank decides the credit limit for each card based on various factors like the credit history income and other factors

Q: Are SBI Prime credit card holders eligible for lounge access

Yes SBI Prime card holders are eligible for domestic and international lounge access

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	Rs. 2500 plus applicable taxes	Rs. 2,999 plus taxes
Renewal fee per annum	-	Rs. 2,999 plus taxes
Welcome benefit	Complimentary Swiggy One and MMT Black Gold membership as welcome benefits.	Get a welcome e-gift voucher worth Rs. 3000 from either of the following reputed brands: Pantaloons Bata/Hush Puppies Aditya Birla Fashion Shoppers Stop Yatra.com
Rewards	5x reward points can be earned on spends at Myntra, Nykaa and Reliance Digital, and Marks and Spencer. 4 reward points per Rs. 150 spent (On retail* spends)	Get 10 reward points for each Rs. 100 spent on groceries, dining, departmental stores, and movies. Get 20 reward points per Rs. 100 spent on your birthday
Rewards Redemption	Rewards can be redeemed @1 point = Rs. 0.5	-
Interest rate	3.6% per month or 43.2% annually	3.5% per month or 42% per annum
Milestone benefits	Get 10,000 reward points upon reaching spends of more than 5 lakhs in a year. Get additional 5,000 reward points upon reaching spends of more than Rs. 8 lakhs in a year.	Get a Pizza hut e-voucher worth Rs. 1,000 on reaching spends of Rs. 50,000 in a calendar quarter. Obtain a renewal fee waiver on reaching milestone annual spends of Rs. 3 lakhs. Get an e-gift voucher worth Rs. 7000 from Yatra.com or Pantaloons upon achieving milestone spends of Rs. 5 lakhs.
Lounge Access	Get 12 complimentary domestic and international lounge access within the country Get 6 complimentary lounge access outside the country.	Get 4 complimentary lounge access per year to international priority pass lounges outside India (With a maximum of 2 visits per quarter). Get 8 complimentary lounge access per year to domestic lounges in India (With a maximum of 2 visits per quarter).
Golf benefits	N/A	Get 4 complimentary rounds of green fees. Get 1 complimentary golf lesson per month. Get up to 50% discount on golf games.
Spend based waiver	Get a renewal fee waiver on reaching yearly spends of Rs. 3 lakhs	Get a waiver of renewal fee on reaching annual spends of Rs. 3 lakhs
Fuel	Get a fuel surcharge waiver of 1%	Get a fuel surcharge waiver of 1%
Movie and dining benefits	Up to 20% off on bill payments with Swiggy Dineout across 20k restaurants	Get 5x reward points per Rs. 100 spent on movies. Get a 25% discount at partnered restaurants (AmEx variant)
Cash advance fee	2.5% of the amount withdrawn or a minimum of Rs. 500	2.5% of the amount withdrawn or Rs. 500,whichever is higher at domestic ATMs.

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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)

SBI Prime vs HDFC Regalia Credit Card

Comparison of all Offers of SBI Prime Credit Card and HDFC Regalia Credit Card

Which Card to Choose?

Is the SBI Prime Credit Card worth it?

Which credit card is better? The HDFC Regalia or the HDFC Regalia Gold?

Can I earn a fuel surcharge waiver on every transaction using the SBI Prime credit Card?

What is the maximum credit limit for the SBI Prime credit card?

Are SBI Prime credit card holders eligible for lounge access?

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