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SBI Card ELITE costs ₹4,999 a year and earns 0.50% on base spends (assumes 4 reward points = rs.1, per issuer e-brochure; redeemable against gift vouchers/products via reward catalogue), with 8 domestic lounge visits per year. HDFC Regalia Gold Credit Card costs ₹2,500 a year and earns 1.63% on base spends (assumes 1 rp = rs 0.65 via the card's exclusive gold catalogue on smartbuy (reward360.in), the issuer's highest-value listed path for this card and the first listed. lower alternative issuer-stated paths: flights/hotels via smartbuy 1 rp = rs 0.50 (max 70% of booking, capped 50,000 rp/month per aggregator xcheck, not first-hand); products/vouchers 1 rp = up to rs 0.35; statement credit 1 rp = rs 0.15.), with 12 domestic lounge visits per year. Use the table below to weigh fees, rewards, lounge access, insurance cover and eligibility side by side.
Use the table above to compare SBI Card ELITE and HDFC Regalia Gold Credit Cardacross fees, reward depth, travel benefits, insurance cover, eligibility and features. Lowest fees and highest rewards are highlighted ⭐ in each row. Tap "+ Add card" in any empty slot to bring a third or fourth contender into the comparison — useful when you're torn between adjacent cards in the same segment.
See every card from the same issuer: SBI credit cards compared · HDFC Bank credit cards compared
