HDFC Regalia vs SBI Card ELITE Advantage
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HDFC Regalia wins 3 of 8 dimensions with a CardTrail Score of 8.3/10 vs 8.4/10.
| Feature | HDFC Regalia | SBI Card ELITE Advantage |
|---|---|---|
| CardTrail Score | 8.3/10 | 8.4/10 |
| Annual Fee | ₹2,500 | ₹4,999 |
| Base Reward Rate | 1.3% | 0.5% |
| Max Reward Rate | 13% | 5% |
| Forex Markup | 3.5% | 1.99% |
| Domestic Lounges | 8 | 8 |
| International Lounges | 6 | 6 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa |
When to Choose HDFC Regalia
- You can meet the fee waiver condition: Spend ₹3L/year
- You want higher rewards — up to 13% vs 5%
- Your primary spend is: travel, dining
When to Choose SBI Card ELITE Advantage
- You can meet the fee waiver condition: Spend ₹5L/year
- You travel internationally — saves ₹1,510/year on ₹1L forex spend
- Your primary spend is: travel, dining
Forex Cost Comparison
On ₹1,00,000 annual international spending: HDFC Regalia costs ₹4,130 in forex fees vs SBI Card ELITE Advantage at ₹2,348. You save ₹1,782/year with SBI Card ELITE Advantage.
Annual Fee Value Analysis
To break even on HDFC Regalia's ₹2,500 fee at 1.3% rewards, spend ₹16,026/month.
To break even on SBI Card ELITE Advantage's ₹4,999 fee at 0.5% rewards, spend ₹83,317/month.