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

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: HDFC Regalia Credit Card or SBI Card 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 lounge. SBI Card Prime: 2 per quarter domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

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

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

Quick comparison

Three core metrics

Regalia HDFC Bank

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

Prime SBI Card

Annual fee ₹2,999 Waivable at ₹3,00,000 spend
Forex markup 3.5%
Domestic lounge 2/quarter

Reward earning explained

Per card

Regalia

2 pts / ₹100 on General spend

Limited data

Prime

20 pts / ₹100 on Utility (domestic) (Standing Instructions on utility bill tran…

Limited data

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 Prime: ₹2,999), forex markup (3.5% vs 3.5%), or lounge access (2/quarter vs 2/quarter).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 2 per quarter.
Rewards Insufficient data

Insufficient data to compare rewards

Only HDFC Bank Regalia has comparable evidence here. Estimated base reward value is ~1% on base spend.

Regalia: Limited data Prime: Limited data

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Regalia: ~₹500/month at base rate
SBI Prime: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Regalia HDFC Bank	Prime SBI Card
Lounge Access
Domestic lounge visits	2/quarter	2/quarter
International lounge visits 6/year vs 4/year	6/year	4/year
Forex / International Use
Forex markup	3.5%	3.5%
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	₹3,00,000
Rewards
Points per ₹100	2 pts	2 pts
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Regalia	₹0.5	Not specified
Point validity Only available for Regalia	2 years	Not specified

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.