HDFC Regalia vs SBI Card PRIME
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HDFC Regalia wins 4 of 8 dimensions with a CardTrail Score of 8.3/10 vs 8.6/10.
| Feature | HDFC Regalia | SBI Card PRIME |
|---|---|---|
| CardTrail Score | 8.3/10 | 8.6/10 |
| Annual Fee | ₹2,500 | ₹2,999 |
| Base Reward Rate | 1.3% | 0.5% |
| Max Reward Rate | 13% | 5% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 8 | 8 |
| International Lounges | 6 | 4 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa Signature |
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 PRIME
- You can meet the fee waiver condition: Spend ₹3L/year
- Your primary spend is: travel, dining, entertainment
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 PRIME's ₹2,999 fee at 0.5% rewards, spend ₹49,983/month.