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Comparison · हिन्दी

SBI Miles Prime vs HDFC Regalia Gold

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

Last updated: August 2026 · Based on current card terms
SBI
CARD MILES PRI
ASHOK KUMAR
VS
HDFC
REGALIA GOLD
ASHOK KUMAR
Our verdict
HDFC Regalia Gold Credit Card wins for most people
Card B wins decisively with ₹2,765 annual benefit versus Card A's -₹779 loss. At your ₹27,000 monthly spend, HDFC Regalia Gold delivers superior returns while Card A's high fee erodes value.
Side-by-side comparison
SBI Card MILES PRIME HDFC Regalia Gold Credit Card ✓
Annual benefit -₹779 ₹2,765
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹2,999 + taxes (waived on ₹10,00,000/year spend) ₹2,500 + taxes (waived on ₹4,00,000/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 Travel Credits per ₹200 on travel spends (1%); 2 Travel Credits per ₹200 on all others (0.5%); 25 airline/hotel transfer partners at 1:1 5 reward points per ₹200 on all spends (1.625%); 5X on Nykaa, Myntra, Marks & Spencer, Reliance Digital
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 8 domestic visits/year (2 per quarter); 4 international visits/year (2 per quarter) via Priority Pass 12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2.5% 2%
Best for Airline-agnostic travel card with 25 transfer partners including Air India, Flying Blue and Aeroplan All-round premium card with travel perks and lifestyle rewards
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹50,000/month (salaried) ₹1L/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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Apply now ↗ Full review →
When each card wins
SBI Card MILES PRIME
Card A suits frequent flyers committed to specific airline/hotel partners who can leverage 25 transfer options strategically. Choose it only if you'll exceed ₹10 lakh annual spend to waive fees and maximize travel credit transfers.
HDFC Regalia Gold Credit Card
Card B excels for balanced spenders like you with diverse categories. Its lower fee (₹2,500 vs ₹2,999), broad 1.625% base rewards, and bonus categories on shopping platforms make it ideal for everyday premium living.
Who should get which card
Get SBI Card MILES PRIME if you…
· Frequent international travelers loyal to specific airline/hotel networks
· High spenders hitting ₹10+ lakh annual threshold for fee waiver
· Those maximizing travel transfers over cash redemption
Get HDFC Regalia Gold if you…
· Balanced spenders across travel, dining, shopping, and groceries
· Lifestyle shoppers using Nykaa, Myntra, or Reliance Digital
· Value-seekers prioritizing overall cash benefit over specialized rewards
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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Frequently asked questions
Based on our analysis, HDFC Regalia Gold Credit Card offers better annual returns for most spend profiles.
SBI Card MILES PRIME has an annual fee of ₹2,999 + taxes (waived on ₹10,00,000/year spend). HDFC Regalia Gold Credit Card has an annual fee of ₹2,500 + taxes (waived on ₹4,00,000/year spend).
SBI Card MILES PRIME offers 4 Travel Credits per ₹200 on travel spends (1%); 2 Travel Credits per ₹200 on all others (0.5%); 25 airline/hotel transfer partners at 1:1. 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 MILES PRIME lounge access: 8 domestic visits/year (2 per quarter); 4 international visits/year (2 per quarter) via Priority Pass. HDFC Regalia Gold Credit Card lounge access: 12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter).
SBI Card MILES PRIME charges 2.5% forex markup. HDFC Regalia Gold Credit Card charges 2% forex markup.