SBI Prime vs HDFC Regalia Credit Card

SBI Prime vs HDFC Regalia Credit Card

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

ParameterHDFC Bank Regalia Credit CardSBI 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)

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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