Credit Cards · Head to Head
HDFC Bank Regalia Gold Credit Card vs SBI Card PRIME
Side-by-side comparison of fees, rewards, and benefits. Find out which card wins for your situation.
HDFC Bank
HDFC Bank Regalia Gold Credit Card
₹2,500/yr annual fee · 2% base rate
Pick this if you want:
- ✓Lower annual fee (₹2,500/yr vs ₹2,999/yr)
SBI Card
SBI Card PRIME
₹2,999/yr annual fee · 2% base rate
Pick this if you want:
- ✓Higher top reward rate (10% on Dining)
- ✓Lower income requirement — easier to get approved
Full Comparison
HDFC Bank Regalia Gold Credit Card vs SBI Card PRIME — FAQs
Which is better — HDFC Bank Regalia Gold Credit Card or SBI Card PRIME?
It depends on your spending pattern. HDFC Bank Regalia Gold Credit Card is better if: lower annual fee (₹2,500/yr vs ₹2,999/yr). SBI Card PRIME is better if: higher top reward rate (10% on dining). Use the SingleVerdict finder to get a personalised answer based on your exact income, spending, and goals.
What is the annual fee difference between HDFC Bank Regalia Gold Credit Card and SBI Card PRIME?
HDFC Bank Regalia Gold Credit Card has an annual fee of ₹2,500/yr, waivable if Spend ₹4L/year. SBI Card PRIME has an annual fee of ₹2,999/yr, waivable if Spend ₹3L/year.
Which card has better rewards — HDFC Bank Regalia Gold Credit Card or SBI Card PRIME?
HDFC Bank Regalia Gold Credit Card earns 2% base reward rate and up to 5% on Shopping. SBI Card PRIME earns 2% base reward rate and up to 10% on Dining. Pick the card whose bonus category matches where you spend the most.
Which card is easier to get approved for?
HDFC Bank Regalia Gold Credit Card requires a minimum monthly income of ₹1,00,000. SBI Card PRIME requires ₹75,000. SBI Card PRIME has a lower income threshold and may be easier to qualify for.
Still not sure which one to pick?
Answer 7 questions about your income, spending, and goals — we score every card against your exact situation and give you one personalised verdict.
Get My Personalised Verdict →Information on this page is gathered from public sources and card issuers' official websites. Fees and rates may change — verify on the issuer website before applying. SingleVerdict may earn a referral fee if you apply through our links.