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Comparison · हिन्दी

HDFC Regalia Gold vs SBI Card PRIME

Both cards compared on real rupee returns for best mid-premium all-round credit card India HDFC Regalia Gold vs SBI PRIME. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
HDFC
REGALIA GOLD
ASHOK KUMAR
VS
SBI
CARD PRIME
ASHOK KUMAR
Our verdict
HDFC Regalia Gold Credit Card wins for most people
Card A wins with ₹1,790 annual benefit versus Card B's ₹361. Despite higher fees, Card A's superior reward structure and lower spend threshold for fee waiver make it the clear winner for your profile.
Side-by-side comparison
HDFC Regalia Gold Credit Card ✓ SBI Card PRIME
Annual benefit ₹1,790 ₹361
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹2,500 + taxes (waived on ₹4,00,000/year spend) ₹2,999 + taxes (waived on ₹3,00,000/year spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 5 reward points per ₹200 on all spends (1.625%); 5X on Nykaa, Myntra, Marks & Spencer, Reliance Digital 10 reward points per ₹100 on dining, grocery, movies, departmental stores (2.5%); 2 RP per ₹100 on others (0.5%)
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter) 8 domestic + 4 international visits/year (2 per quarter each)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2% 3.5%
Best for All-round premium card with travel perks and lifestyle rewards Lifestyle spenders who want dining, grocery and movie rewards with lounge access
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹1L/month (salaried) ₹50,000/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+ 750+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
HDFC Regalia Gold Credit Card
Choose Card A if you spend ₹33k+ monthly or can reach ₹4L annual spend to waive fees. Its flat 1.625% rewards on all categories and 5X multipliers on shopping brands maximize your ₹22k monthly spends effectively.
SBI Card PRIME
Choose Card B if dining and groceries dominate your budget and you value lounge access. However, given your balanced spend profile, Card B's category-focused rewards don't generate sufficient value to overcome its fee disadvantage.
Who should get which card
Get HDFC Regalia Gold if you…
· Higher overall annual benefit (₹1,790) despite premium fees
· Lower fee waiver threshold at ₹4L annual spend
· Consistent 1.625% rewards across all spending categories
· 5X rewards on shopping (your highest spend category)
Get SBI Card PRIME if you…
· Better for dining-heavy spenders (2.5% on food)
· Good for grocery shoppers with bonus rewards
· Premium lounge access and lifestyle benefits
· Lower fees if you commit to ₹3L annual spend
Partner offer
IDFC FIRST Ashva Credit Card
Frequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the app
Apply now →
IDFC
ASHOK KUMAR

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Related guides
Axis Bank Select vs HDFC Regalia Gold →HDFC Diners Club Privilege vs SBI Card PRIME →HDFC Regalia vs HDFC Regalia Gold →SBI Card PRIME vs SBI Cashback →Best Dining Credit Cards →Best Travel Credit Cards →Best Shopping Credit Cards →
Frequently asked questions
Based on our analysis, HDFC Regalia Gold Credit Card offers better annual returns for most spend profiles.
HDFC Regalia Gold Credit Card has an annual fee of ₹2,500 + taxes (waived on ₹4,00,000/year spend). SBI Card PRIME has an annual fee of ₹2,999 + taxes (waived on ₹3,00,000/year spend).
HDFC Regalia Gold Credit Card offers 5 reward points per ₹200 on all spends (1.625%); 5X on Nykaa, Myntra, Marks & Spencer, Reliance Digital. SBI Card PRIME offers 10 reward points per ₹100 on dining, grocery, movies, departmental stores (2.5%); 2 RP per ₹100 on others (0.5%).
HDFC Regalia Gold Credit Card lounge access: 12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter). SBI Card PRIME lounge access: 8 domestic + 4 international visits/year (2 per quarter each).
HDFC Regalia Gold Credit Card charges 2% forex markup. SBI Card PRIME charges 3.5% forex markup.