HDFC Regalia Gold vs SBI Card PRIME
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HDFC Regalia Gold wins 4 of 8 dimensions with a CardTrail Score of 8.7/10 vs 8.6/10.
| Feature | HDFC Regalia Gold | SBI Card PRIME |
|---|---|---|
| CardTrail Score | 8.7/10 | 8.6/10 |
| Annual Fee | ₹2,500 | ₹2,999 |
| Base Reward Rate | 1.73% | 0.5% |
| Max Reward Rate | 3.3% | 5% |
| Forex Markup | 2% | 3.5% |
| Domestic Lounges | 8 | 8 |
| International Lounges | 4 | 4 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa Signature |
When to Choose HDFC Regalia Gold
- You can meet the fee waiver condition: Spend ₹3L/year
- You travel internationally — saves ₹1,500/year on ₹1L forex spend
- Your primary spend is: travel, dining, general
When to Choose SBI Card PRIME
- You can meet the fee waiver condition: Spend ₹3L/year
- You want higher rewards — up to 5% vs 3.3%
- Your primary spend is: travel, dining, entertainment
Forex Cost Comparison
On ₹1,00,000 annual international spending: HDFC Regalia Gold costs ₹2,360 in forex fees vs SBI Card PRIME at ₹4,130. You save ₹1,770/year with HDFC Regalia Gold.
Annual Fee Value Analysis
To break even on HDFC Regalia Gold's ₹2,500 fee at 1.73% rewards, spend ₹12,042/month.
To break even on SBI Card PRIME's ₹2,999 fee at 0.5% rewards, spend ₹49,983/month.