Which card has a lower forex fee: HDFC Regalia Credit Card or SBI Card Miles Prime?

SBI Card Miles Prime has lower forex markup (2.5% vs 3.5%).

Which card has a lower annual fee: HDFC Regalia Credit Card or SBI Card Miles Prime?

HDFC Regalia Credit Card has a lower annual fee (₹2,500 vs ₹2,999).

Which card offers better lounge access?

HDFC Regalia Credit Card: 2 per quarter domestic + 6 per year international. SBI Card Miles Prime: 8 domestic + 4 international lounge visits/year.

Which card has a higher base reward rate?

Both cards have similar base reward value (~1%).

Pairwise comparison Compare 3+ cards →

HDFC Bank Regalia vs SBI Card Miles Prime Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank Regalia and the SBI Card Miles Prime. Verify fees, lounge access, forex markup, and base rewards before you apply.

Forex SBI Card Miles Prime

Quick comparison

Three core metrics

Regalia HDFC Bank

Annual fee ₹2,500 Waivable at ₹3,00,000 spend
Forex markup 3.5%
Domestic lounge 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹1,00,000 spend in the previous calendar quarter

Miles Prime SBI Card

Annual fee ₹2,999 Waivable at ₹10,00,000 spend
Forex markup 2.5%
Domestic lounge 8/year

Reward earning explained

Per card

Regalia

2 pts / ₹100

Limited data

Miles Prime

2 Travel Credits / ₹200 · Up to 4 Travel Credits / ₹200 on Travel

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Regalia: ₹2,500 vs SBI Card Miles Prime: ₹2,999), forex markup (3.5% vs 2.5%), or lounge access (8/year (2 per quarter) vs 8/year).

Forex markup SBI Card Miles Prime wins

SBI Card Miles Prime is better for forex

SBI Card Miles Prime is stronger here. SBI Card Miles Prime has a lower forex markup (2.5% vs 3.5%).
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 2 per quarter. Domestic lounge access is 8 per year.
Rewards Tie

Both cards are similar for rewards

HDFC Bank Regalia conservative base value ~0.3% vs SBI Card Miles Prime's ~0.3%. SBI Card Miles Prime conservative base value ~0.3% vs HDFC Bank Regalia's ~0.3%.

HDFC Bank Regalia

Confidence: Low (limited information available)

Verify with issuer

SBI Card Miles Prime

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Regalia: ~₹150/month at base rate
SBI Miles Prime: ~₹130/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Regalia HDFC Bank	Miles Prime SBI Card
Lounge Access
Domestic lounge visits 8/year (2 per quarter) vs 8/year	8/year (2 per quarter)	8/year
International lounge visits 6/year vs 4/year	6/year	4/year
Forex / International Use
Forex markup 3.5% vs 2.5%	3.5%	2.5%
Fees
Annual fee ₹2,500 vs ₹2,999	₹2,500	₹2,999
Joining fee ₹2,500 vs ₹2,999	₹2,500	₹2,999
Fee waiver spend ₹3,00,000 vs ₹10,00,000	₹3,00,000	₹10,00,000
Rewards
Base earn 2 pts / ₹100 vs 2 Travel Credits / ₹200	2 pts / ₹100	2 Travel Credits / ₹200
Conservative base value	~0.3%	~0.3%
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.5 vs ₹1	₹0.5	₹1

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.