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Regalia vs SBI ELITE – Full comparison
Both cards verified with issuer
Regalia source SBI ELITE sourceForex costs are a key difference
Spend context
At ₹50k/month spend:
- Regalia: ~₹670/month at base rate
- SBI ELITE: Base earn not clearly specified
Approximate, based on base rates (before caps).
| Regalia HDFC | SBI ELITE SBI | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 2/quarter vs 6/year | 2/quarter | 6/year |
| International lounge visits Only available for Regalia | 6/year | Varies by variant |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 3.5% vs 1.99% | 3.5% | 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 ₹3,00,000 vs ₹6,00,000 | ₹3,00,000 | ₹6,00,000 |
| Rewards | ||
| Reward points (base spend) 4 pts/₹150 vs 2 pts/₹100 | 4 pts/₹150 | 2 pts/₹100 |
| Point cash value Only available for Regalia | ₹0.5 | Check issuer |
Notes
- Some data has low confidence — verify with the issuer before relying on it.
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Related compare links
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Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.