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faayda.com › compare › HDFC Regalia vs SBI Card PRIME
Comparison · हिन्दी

HDFC Regalia vs SBI Card PRIME

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

Updated · Terms checked by Prashant Parikh
HDFC
REGALIA
ASHOK KUMAR
VS
SBI
CARD PRIME
ASHOK KUMAR
Our verdict
HDFC Regalia Credit Card wins for most people
HDFC Regalia wins with ₹1,171 annual benefit versus SBI Card PRIME's ₹421, delivering 2.8x better value despite being discontinued. Its superior rewards structure outpaces the competitor even after accounting for fees.
Side-by-side comparison
HDFC Regalia Credit Card ✓ SBI Card PRIME
Annual benefit ₹1,171 ₹421
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 ₹3L 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 → 4 reward points per ₹150 spent (about 1.33% when redeemed at 50 paise a point on flights and hotels); up to 5% on SmartBuy partner spends 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 visits/year (domestic + international) 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 Existing holders only: HDFC Bank has stopped issuing this card 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 → ₹6L+ per year ₹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+
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When each card wins
HDFC Regalia Credit Card
HDFC Regalia excels for spenders crossing ₹3L annually, as fee waiver kicks in. The 4 RP per ₹150 on all spends and SmartBuy partner bonuses maximize your travel and shopping spend effectively.
SBI Card PRIME
SBI Card PRIME suits those prioritizing dining and grocery rewards with lounge access perks. Choose it if you value frequent airport lounge visits and the specific dining-centric reward structure over general spending returns.
Who should get which card
Get HDFC Regalia if you…
· Existing HDFC Regalia holders seeking continuation
· Heavy travel and shopping spenders targeting fee waivers
· Users who leverage SmartBuy partner ecosystem regularly
· Those optimizing reward redemption on flights and hotels
Get SBI Card PRIME if you…
· Frequent diners wanting 2.5% returns on restaurant bills
· Grocery shoppers seeking concentrated reward earning
· Airport lounge access seekers with multiple travel needs
· Lifestyle spenders valuing movie and departmental store benefits
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
HDFC Diners Club Privilege vs SBI Card PRIME →HDFC Regalia vs SBI Card ELITE →HDFC Regalia vs Axis Magnus →HDFC Regalia vs HDFC Regalia Gold →Best Dining Credit Cards →Best Travel Credit Cards →Best Shopping Credit Cards →
Frequently asked questions
Based on our analysis, HDFC Regalia Credit Card offers better annual returns for most spend profiles.
HDFC Regalia Credit Card has an annual fee of ₹2,500 + taxes (waived on ₹3L spend). SBI Card PRIME has an annual fee of ₹2,999 + taxes (waived on ₹3,00,000/year spend).
HDFC Regalia Credit Card offers 4 reward points per ₹150 spent (about 1.33% when redeemed at 50 paise a point on flights and hotels); up to 5% on SmartBuy partner spends. 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 Credit Card lounge access: 12 visits/year (domestic + international). SBI Card PRIME lounge access: 8 domestic + 4 international visits/year (2 per quarter each).
HDFC Regalia Credit Card charges 2% forex markup. SBI Card PRIME charges 3.5% forex markup.