HDFC Bank Regalia Gold Credit Card vs SBI Card ELITE
Last verified 19 Oct 2026 · how we compare
Side by side
| Feature | HDFC Bank Regalia Gold Credit Card | SBI Card ELITE |
|---|---|---|
| Issuer | HDFC Bank | SBI Card |
| Joining fee | ₹2,500 | ₹4,999 |
| Annual fee | ₹2,500 | ₹4,999 |
| Fee waiver | Renewal fee waived if you spend ₹4 lakh or more in the 12 billing cycles before your renewal date. No joining fee waiver is offered. | Renewal fee waived if annual spends in the previous year are ₹10,00,000 or more |
| Everyday spends (value back) | 1.25% | 0.5% |
| Online shopping (value back) | 1.25% | 0.5% |
| Fuel (value back) | 0% | 0% |
| Groceries (value back) | 1.25% | 2.5% |
| Travel (value back) | 1.25% | 0.5% |
| Bills and utilities (value back) | 1.25% | 0.5% |
| Dining and food delivery (value back) | 1.25% | 2.5% |
| Rewards in short | 5 reward points per ₹200: about 1.25% back if you use the points for flights and hotels on HDFC SmartBuy (₹0.50 a point), or 0.375% as statement credit (₹0.15 a point). 5X points at Myntra, Nykaa, Reliance Digital and Marks & Spencer. Fuel, rent, wallet loads and government payments earn nothing. | Premium lifestyle card: 10 points per ₹100 on dining, grocery and departmental stores (about 2.5% back), free movie tickets worth up to ₹6,000 a year, 1.99% forex markup and lounge access. |
| Works on UPI | No | No |
| Airport lounge | 12 domestic lounge visits a year (3 a calendar quarter), unlocked each quarter by spending ₹60,000 in the previous calendar quarter; 6 international visits a year outside India through Priority Pass with no spend condition (ask HDFC Bank for the Priority Pass card). | 8 domestic visits a year (2 a quarter) and 6 international visits a year outside India via Priority Pass (max 2 a quarter; membership valid 2 years); no spend condition is published. |
| Forex markup | 2% | 1.99% |
| Fuel surcharge waiver | No fuel surcharge waiver is listed for this card, and fuel earns no points. A 1% fee applies to single fuel transactions above ₹15,000. | 1% waiver on fuel transactions of ₹500 to ₹4,000; max ₹250 per statement cycle |
| Card network | Not published by the bank | Visa, Mastercard, American Express |
| Minimum income (salaried) | ₹1,50,000 a month | Not published by the bank |
Value back is the % of spend you get at the bank's published redemption value. “–” means the bank doesn't publish it. Fees exclude GST.
Which one to pick
Pick the HDFC Bank Regalia Gold Credit Card if
you want a lower fee and redeem points for flights and hotels on SmartBuy
₹2,500 joining, ₹2,500 a year
Pick the SBI Card ELITE if
you spend heavily on dining and groceries and will use the movie tickets
₹4,999 joining, ₹4,999 a year
CreditParakh is not a bank or lender. Approval, limits and final terms are decided by the issuer.
Questions people ask
Which has better lounge access, Regalia Gold or SBI ELITE?
Both give 6 international visits a year through Priority Pass (ELITE allows at most 2 a quarter). For domestic lounges, Regalia Gold gives 3 a calendar quarter (12 a year), but only after ₹60,000 of spend in the previous quarter; ELITE gives 2 a quarter (8 a year) with no spend condition published.
What are Regalia Gold and SBI ELITE points worth?
A Regalia Gold point is worth ₹0.50 on flights and hotels booked through HDFC SmartBuy or ₹0.15 as statement credit, so its 5 points per ₹200 come to about 1.25% or 0.375%. On ELITE, 4 points are worth ₹1, so 10 points per ₹100 on dining, groceries and department stores is about 2.5%, and other spends earn about 0.5%.
What income do I need?
HDFC Bank asks salaried Regalia Gold applicants for a gross monthly income above ₹1.5 lakh (above ₹1 lakh for government employees) and self-employed applicants for an ITR above ₹18 lakh a year. SBI doesn't publish an income requirement for ELITE.
Do they earn on fuel?
No. Neither earns points on fuel. ELITE waives the 1% fuel surcharge on ₹500 to ₹4,000 transactions, up to ₹250 a statement cycle; Regalia Gold lists no surcharge waiver and charges 1% on single fuel transactions above ₹15,000.
Full details: HDFC Bank Regalia Gold Credit Card · SBI Card ELITE · find the card that fits your spending
Last verified 19 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.