- Annual fee ₹2,500 Waivable at ₹4,00,000 spend
- Forex markup 2%
- Domestic lounge 12/year (3 per quarter) Conditional · Spend-gated in current HDFC policy; verify live eligibility in bank app
Pairwise comparison
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HDFC Bank Regalia Gold vs SBI Card ELITE Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the HDFC Bank Regalia Gold and the SBI Card ELITE. Verify fees, lounge access, forex markup, and base rewards before you apply.
Quick comparison
Three core metrics- Annual fee ₹4,999 Waivable at ₹10,00,000 spend
- Forex markup 1.99%
- Domestic lounge 8/year
Reward earning explained
Per card4 pts / ₹150 on General spend
2 pts / ₹100 on General spend
Pick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (HDFC Bank Regalia Gold: ₹2,500 vs SBI Card ELITE: ₹4,999), forex markup (2% vs 1.99%), or lounge access (12/year (3 per quarter) vs 8/year).
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Travel Tie Both cards are similar for travel
Forex markup is 2%.
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Forex markup Tie Both cards are similar for forex
Forex markup is 2%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 12/year (3 per quarter). Domestic lounge access is 8/year.
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upi Tie Both cards are similar for UPI usage
Visa network does not support UPI payments.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Regalia Gold: ~₹330/month at base rate
- SBI ELITE: ~₹250/month at base rate
Illustrative only, using current base rates before caps.
| Field | Regalia Gold HDFC Bank | ELITE SBI Card |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 12/year (3 per quarter) vs 8/year | 12/year (3 per quarter) | 8/year |
| International lounge visits | 6/year | 6/year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 2% vs 1.99% | 2% | 1.99% |
| Fees | ||
| Annual fee ₹2,500 vs ₹4,999 | ₹2,500 | ₹4,999 |
| Joining fee ₹2,500 vs ₹4,999 | ₹2,500 | ₹4,999 |
| Fee waiver spend ₹4,00,000 vs ₹10,00,000 | ₹4,00,000 | ₹10,00,000 |
| Rewards | ||
| Reward points (base spend) 4 pts/₹150 vs 2 pts/₹100 | 4 pts/₹150 | 2 pts/₹100 |
| Point cash value | ₹0.25 | ₹0.25 |
Notes
- HDFC Regalia Gold Credit Card: Spend-gated in current HDFC policy; verify live eligibility in bank app
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.