Head-to-Head Card Showdown
HDFC Bank Regalia Gold Credit Card vs SBI Card PRIME
Which card is actually better for your spending patterns? Compare annual fees, waiver thresholds, category caps, forex charges, and 2026 lounge access rules side-by-side.
Popular Head-to-Head Matchups
Option APremium • Visa / Mastercard
HDFC BANK
VISA
METAL
REGALIA GOLD
•••• •••• •••• 2026
Premium
Option BPremium • Visa / Mastercard / American Express
SBI Card
VISA
SBI Card PRIME
•••• •••• •••• 2026
Premium
Verdict for Your Spend Profile
HDFC Bank Regalia Gold Credit Card wins by +₹3,881/year
Based on your estimated monthly spend of ₹37,000 (₹4,44,000/year), HDFC Bank Regalia Gold Credit Card yields a net annual return of ₹8,733 compared to ₹4,852 with SBI Card PRIME.
Fine-Tune Your Monthly Spending Profile
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Comprehensive Feature-by-Feature Comparison Matrix
| Feature / Parameter | HDFC Bank Regalia Gold Credit Card | SBI Card PRIME |
|---|---|---|
| Net Annual Value (Your Spends) | ₹8,733 | ₹4,852 |
| Gross Annual Rewards Earned | ₹8,963 | ₹5,525 |
| Annual Fee & 18% GST Status | ₹0 (Waived on ≥ ₹4,00,000) | ₹0 (Waived on ≥ ₹3,00,000) |
| Annual Spend for Fee Waiver | ₹4,00,000 | ₹3,00,000 |
| Foreign Currency (Forex) Markup | 2% (+18% GST = 2.36%) | 3.5% (+18% GST = 4.13%) |
| 2026 Airport Lounge Policy | 12 domestic lounge visits/year (subject to quarterly spend milestone) plus 6 international visits via Priority Pass. | 8 complimentary domestic airport lounge visits (2/quarter) + 4 international Priority Pass lounge visits per year. |
| RuPay UPI Scan & Pay Enabled | No (Visa / Mastercard) | No (Visa / Mastercard / American Express) |
| Reward Point Value & Options | 1 Point = ₹0.5 (Flight/Hotel booking on SmartBuy (1 RP = ₹0.50)) | 1 Point = ₹0.25 (1 RP = ₹0.25 for statement credit or brand vouchers) |
| Top Advantages |
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| Official MITC & Application | View MITC Fee Breakdown Official Bank Application | View MITC Fee Breakdown Official Bank Application |
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Questions about HDFC Bank Regalia Gold Credit Card vs SBI Card PRIME
Which card has better airport lounge access rules in 2026?
HDFC Bank Regalia Gold Credit Card provides 4 visits/quarter (requires ₹1,00,000 quarterly spend), while SBI Card PRIME provides 2 visits/quarter (no spend criteria).