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Credit CardsComparisons

HDFC Regalia Gold Credit Card vs SBI Card ELITE

A head-to-head comparison of HDFC Regalia Gold Credit Card and SBI Card ELITE across fees, rewards, and spending categories to help you decide which card suits your wallet better.

PremiumCard A

HDFC Regalia Gold Credit Card

Mid-Premium Lifestyle

Annual Fee
₹2,500
Reward Rate
5 RP per ₹200 (~1.625% effective, from May 2026)
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PremiumCard B

SBI Card ELITE

Mid-Tier Premium

Annual Fee
₹4,999
Reward Rate
5X on dining + milestone benefits
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Feature comparison

FeatureHDFC RegaliaSBI Card
Annual Fee₹2,500 + GST (Waived on ₹4L spend)₹4,999 (Waived on ₹10L spend)
Reward Rate5 RP per ₹200 (~1.625% effective, from May 2026)5X on dining + milestone benefits
Best ForMid-Premium LifestyleMid-Tier Premium
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryHDFC RegaliaSBI Card
Dining
Movies & entertainment
Domestic travel
Everyday spending
Airport lounge access

Quick verdict

Choose HDFC Regalia Gold Credit Card if:

  • Lower annual fee (₹2,500 vs ₹4,999)
  • You spend heavily on everyday spending
  • You spend heavily on domestic travel

Choose SBI Card ELITE if:

  • You spend heavily on dining
  • You spend heavily on movies & entertainment

Full pros & cons

HDFC Regalia Gold Credit Card

What's good
  • 12 domestic + 6 international lounge visits per year via Priority Pass
  • Milestone rewards up to ₹16,000/year: ₹1,500 per ₹1.5L quarterly + ₹5,000 each at ₹5L and ₹7.5L annual spend
  • New Travel Edge benefit: upload boarding passes to unlock spa, Uber vouchers, ITC dining, and hotel upgrades
Watch out for
  • From May 2026, reward rate drops to 5 RP per ₹200 (1.625%) — spends under ₹200 earn zero points
  • From July 2026, domestic lounge access requires ₹60,000 quarterly spend to unlock 3 visits
  • Forex markup of 2% + GST (~2.36%) is uncompetitive for international travel
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SBI Card ELITE

What's good
  • 2 free movie tickets every month via BookMyShow (up to ₹250/ticket)
  • Solid annual milestone bonuses
  • International lounge access via Priority Pass (6 visits/year, max 2/quarter)
Watch out for
  • Lounge access count is limited compared to true premium cards
  • Trident hotel membership discontinued — only 10% dining discount remains
  • Reward points expire and must be actively redeemed
Apply Now
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