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Comparison · हिन्दी

SC Ultimate vs HDFC Regalia

Both cards compared on real rupee returns for best premium credit card India SC Ultimate flat rate vs HDFC Regalia. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
STANDARD C
ULTIMATE
ASHOK KUMAR
VS
HDFC
REGALIA
ASHOK KUMAR
Our verdict
HDFC Regalia Credit Card wins for most people
Card B wins with ₹4,628 annual benefit versus Card A's ₹4,391. HDFC Regalia edges ahead despite lower spends, thanks to lower fees and bonus dining rewards that align well with your profile.
Side-by-side comparison
Standard Chartered Ultimate Credit Card HDFC Regalia Credit Card ✓
Annual benefit ₹4,391 ₹4,628
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹5,000 + taxes (6,000 welcome RP worth ₹6,000, offsets fee in Year 1) ₹2,500 + taxes (waived on ₹3L spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 3.33% on all eligible spends (5 RP per ₹150, 1 RP = ₹1); 2% forex; unlimited Priority Pass lounge access 4 reward points per ₹150 spent; 2X on dining and international
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 domestic visits/quarter (16/year); 1 international visit/month via Priority Pass (on ₹20,000 previous month spend) 12 visits/year (domestic + international)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2% 2%
Best for High spenders wanting the best flat reward rate in India with 1 RP = ₹1 redemption value Premium rewards and lounge access
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹24L+/year ₹6L+ per year
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
Standard Chartered Ultimate Credit Card
Card A suits you if you prioritize unlimited lounge access and prefer a flat 3.33% reward rate across all categories. It's simpler to track rewards without category-based variations.
HDFC Regalia Credit Card
Card B is ideal when you value dining benefits since your ₹6,000 monthly dining spend gets 2X points. The lower ₹2,500 fee (waivable at ₹3L annual spend) maximizes your net returns.
Who should get which card
Get Standard Chartered Ultimate if you…
· Prefer flat rewards across all categories without complexity
· Want premium unlimited lounge access for frequent travel
· Value straightforward 1 RP = ₹1 redemption clarity
Get HDFC Regalia if you…
· Dine out regularly—enjoy 2X rewards on ₹6,000 monthly dining
· Can easily meet ₹3L annual spend to waive fees
· Want better value—higher annual benefit with lower fee commitment
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
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IDFC
ASHOK KUMAR

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HDFC Regalia vs SBI Card ELITE →HDFC Regalia vs Axis Magnus →HDFC Regalia vs HDFC Regalia Gold →Standard Chartered Ultimate 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.
Standard Chartered Ultimate Credit Card has an annual fee of ₹5,000 + taxes (6,000 welcome RP worth ₹6,000, offsets fee in Year 1). HDFC Regalia Credit Card has an annual fee of ₹2,500 + taxes (waived on ₹3L spend).
Standard Chartered Ultimate Credit Card offers 3.33% on all eligible spends (5 RP per ₹150, 1 RP = ₹1); 2% forex; unlimited Priority Pass lounge access. HDFC Regalia Credit Card offers 4 reward points per ₹150 spent; 2X on dining and international.
Standard Chartered Ultimate Credit Card lounge access: 4 domestic visits/quarter (16/year); 1 international visit/month via Priority Pass (on ₹20,000 previous month spend). HDFC Regalia Credit Card lounge access: 12 visits/year (domestic + international).
Standard Chartered Ultimate Credit Card charges 2% forex markup. HDFC Regalia Credit Card charges 2% forex markup.