HDFC Regalia Gold vs SBI Prime
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Regalia Gold wins 5-4. Mid-tier travel + dining without the Diners Black price tag SBI Prime is still the right call if step up from simplyclick with lounge access..
Side-by-side
| Criterion | HDFC Regalia Gold | SBI Prime |
|---|---|---|
| Annual fee | ₹2,500 | · ₹2,999 |
| Joining fee | ₹2,500 | · ₹2,999 |
| Top reward rate | · 4% (general) | 5% (shopping) |
| Base reward rate | 4% | · 1.25% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) |
| Fee waiver threshold | · ₹400,000 / yr | ₹300,000 / yr |
| Min income | · ₹1,200,000 | ₹480,000 |
| Min credit score | · 770 | 750 |
| Editorial rating | 4.6/5 | · 4.2/5 |
Benefits compared
HDFC Regalia Gold
- 5x reward points on travel + dining via SmartBuy
- 4 complimentary international lounge visits per year (Priority Pass)
- Annual MMT Black Elite membership
- Low forex markup: 2%
- Milestone benefits at ₹1.5L, ₹3L and ₹4L spend
SBI Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Trident Privilege Red membership
FAQ
›HDFC Regalia Gold vs SBI Prime: which is better?
HDFC Regalia Gold wins on more dimensions (5 vs 4). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use HDFC Regalia Gold for its best categories, SBI Prime for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Regalia Gold: 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher. SBI Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra).