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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. SBI Card PRIME costs ₹2,999 a year and earns 0.50% on base spends (assumes 1 reward point = rs. 0.25 per sbi card's standard rewards catalogue/statement-credit redemption (issuer states 6,000 rp = rs 1,500). prime t&c booklet itself states no rupee value, deferring to the shop-and-smile catalogue.), with 8 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 HDFC Regalia Gold Credit Card and SBI Card PRIMEacross 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: HDFC Bank credit cards compared · SBI credit cards compared
