When it comes to premium credit cards , both HDFC Regalia Gold and SBI Card ELITE stand out with travel benefits, luxury privileges, and high reward value. But each card caters to a slightly different type of spender. Let’s explore the key features, differences, and which one offers more value for your lifestyle.
| Feature | HDFC Regalia Gold Credit Card | SBI Card ELITE Credit Card |
|---|---|---|
|
Annual Fee |
₹2,500 (waived on spends above ₹3 lakh/year) |
₹4,999 (waived on spends above ₹10 lakh/year) |
|
Welcome Benefits |
Complimentary memberships (Amazon Prime, Swiggy One, MMT BLACK, Times Prime) |
₹5,000 worth of welcome e-gift vouchers |
|
Reward Points |
4 reward points per ₹150 spent |
5 reward points per ₹100 on dining, groceries, and department stores |
|
Lounge Access |
12 domestic + 6 international per year |
8 domestic + 6 international per year |
|
Travel Benefits |
Complimentary flight vouchers and insurance cover |
Complimentary Club Vistara membership and Trident Privilege membership |
|
Dining Benefits |
Up to 15% off at partner restaurants via Good Food Trail Program |
Up to 10% off at partner restaurants |
|
Movie Benefits |
Not included |
2 free movie tickets per month (worth ₹500 each) |
|
Fuel Surcharge Waiver |
1% on transactions between ₹400–₹5,000 |
1% on transactions between ₹500–₹4,000 |
Track spending to ensure you meet fee waiver thresholds and maximize rewards.