HDFC Regalia Credit Card Vs. SBI Card PRIME Advantage

HDFC Regalia Credit Card

HDFC Regalia Credit Card

SBI Card PRIME Advantage

SBI Card PRIME Advantage

Comparison of HDFC Regalia Credit Card and SBI Card PRIME Advantage

Feature	HDFC Regalia Credit Card	SBI Card PRIME Advantage
Annual Fee	₹2,500 + GST (~₹2,950)	₹0
Joining Fee	₹2,500 + GST (~₹2,950)	₹0
Welcome Benefits	Earn 2,500 Reward Points on joining fee payment	E-gift voucher worth ₹3,000 from Bata/Hush Puppies, Pantaloons, Shoppers Stop, or Yatra.com
Interest Rate (APR)	3.49% per month (41.88% annually)	N/A
Foreign Currency Markup	2% + GST (~2.36%)	N/A
Key Highlights	•Welcome Bonus •Milestone Benefits •Complimentary Lounge Access •Low Forex Markup •Fuel Surcharge Waiver •SmartBuy Accelerated Rewards •Dining Benefits •Comprehensive Insurance	•Annual Fee •Renewal Fee •Welcome Benefit •Milestone Benefits •Accelerated Rewards •Lounge Access •Birthday Benefit •Membership Benefits
Dos	Use SmartBuy portal for flight and hotel bookings to earn 5X-10X rewards Spend ₹3 lakh annually to get the next year's fee waived automatically Track your Reward Points balance regularly and redeem before 2-year expiry Spend ₹1 lakh per quarter to unlock 2 domestic lounge access vouchers Pay your credit card bill in full by the due date to avoid interest charges and maintain credit health	Pay utility bills via standing instructions to maximise 20 points per ₹100 Use the card for dining and departmental store purchases to earn 10 points per ₹100 Access lounge benefits on your travels for a premium experience Redeem reward points as cashback for flexibility Celebrate your birthday month with accelerated spending for extra rewards
Don'ts	Don't exceed your credit limit to prevent overlimit charges and credit score impact Don't miss the minimum payment to avoid late fees, high interest charges, and credit score damage Don't ignore the quarterly ₹1 lakh spending requirement if you want domestic lounge access Don't share your card details, PIN, CVV, or OTP with anyone, including people claiming to be from the bank Don't use the card for cash advances unless absolutely necessary due to high fees and immediate interest charges	Avoid using the card for fuel transactions, as it earns no reward points Do not ignore the ₹99 reward redemption fee; plan redemptions strategically Avoid overspending beyond your repayment capacity Do not miss the monthly caps on utility bill rewards (3,000 points/month) Do not ignore late payment charges; pay on time to avoid penalties

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