HDFC Bank Regalia Credit Card vs SBI Elite Credit Card
Side-by-side comparison of fees, rewards, and benefits
HDFC Bank
HDFC Bank Regalia Credit Card
HDFC Bank · Visa · Signature
State Bank of India
SBI Elite Credit Card
State Bank of India · Mastercard · Premium
Metric
HDFC Bank
State Bank of India
Annual Fee
₹2,500
₹4,999
Joining Fee
₹2,500
₹4,999
Effective Reward Rate
0.9%
0.5%
Forex Markup
2.0%
3.5%
Avg Annual Value
₹25,000
₹20,000
Annual Net Value
₹22,050
₹14,101
HDFC Bank Regalia Credit Card — Key Benefits
- ✓ Domestic Lounge Access
- ✓ International Lounge Access
- ✓ Low Forex Markup
- ✓ Reward Points on All Spends
- ✓ Fuel Surcharge Waiver
SBI Elite Credit Card — Key Benefits
- ✓ Domestic Lounge Access
- ✓ International Lounge Access
- ✓ 5X Reward Points on Dining, Groceries & Departmental Stores
- ✓ Reward Points on All Other Spends
- ✓ Fuel Surcharge Waiver