HDFC Regalia Gold Credit Card vs SBI Cashback Credit Card
Verify differences in joining fees, waivers, reward structures, lounge access frequencies, and foreign transaction charges to pick your match.
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HDFC Bank
HDFC Regalia Gold
Cardmember
CARD COMPARE MEMBER
HDFC Regalia Gold Credit Card
Verified: 13 June 2026
State Bank of India
SBI Cashback
Cardmember
CARD COMPARE MEMBER
SBI Cashback Credit Card
Verified: 10 June 2026
| Feature / Parameter | HDFC Regalia Gold Credit Card | SBI Cashback Credit Card |
|---|---|---|
| Bank | HDFC Bank | State Bank of India |
| Best For | Travel | Cashback |
| Joining Fee | ₹2,500 | ₹999 |
| Annual Fee | ₹2,500 | ₹999 Best: Lower maintenance cost |
| Renewal Waiver | Waived on annual spends of ₹4,00,000 or more in the previous year. | Waived on annual spends of ₹2,00,000 or more in the previous year. |
| Cashback & Reward Rate | 4 Reward Points for every ₹150 spent. 20 Reward Points for every ₹150 spent at partner brands (Marks & Spencer, Myntra, Nykaa, Reliance Digital). Points can be redeemed for flights/hotels at ₹0.50 per point. | 5% cashback on online spends (without merchant capping restrictions, with some exclusions like rent, utilities, fuel). 1% cashback on offline spends. |
| Lounge Access | 12 complimentary domestic lounge visits per year. 6 complimentary international lounge visits per year via Priority Pass. Best: Better lounge privileges | Complimentary lounge access is currently not offered on this card. |
| Forex Markup Fee | 2.00% of the transaction value + taxes (Low Foreign Exchange markup fee). Best: Lower foreign transaction charges | 3.50% of the transaction value + applicable taxes. |
| Fuel Benefit | 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (maximum waiver capped at ₹500 per statement cycle). | 1% fuel surcharge waiver for transactions between ₹500 and ₹3,000 (maximum waiver capped at ₹100 per statement cycle). |
| Finance Charges | 3.60% per month (43.20% per annum). | 3.50% per month (42% per annum) from the transaction date. |
| Eligibility | Salaried individuals with a monthly salary of ₹1,00,000+ or self-employed with an annual ITR above ₹12 Lakhs. Age: 21 to 60 years. | Salaried individuals with a monthly income of ₹30,000 or self-employed individuals with a stable annual tax filing. Age limit: 21 to 60 years. |
Choose HDFC Regalia Gold Credit Card if...
- You want superior domestic and/or international airport lounge access privileges (12 complimentary domestic lounge visits per year. 6 complimentary international lounge visits per year via Priority Pass.).
- You spend internationally and need a lower foreign currency markup fee (2.00% of the transaction value + taxes (Low Foreign Exchange markup fee).).
- Your spending habits are concentrated heavily on Travel transactions.
- You easily hit the annual waiver spending target: ₹4,00,000 or more in the previous year.
Choose SBI Cashback Credit Card if...
- You want a lower maintenance fee (₹999 vs ₹2,500).
- You prefer direct statement cashback over reward points catalog redemptions.
- Your spending habits are concentrated heavily on Cashback transactions.
- You easily hit the annual waiver spending target: ₹2,00,000 or more in the previous year.
AHDFC Regalia Gold Credit Card Highlights
Pros
- Complimentary domestic and international airport lounge access.
- High reward point value on flight/hotel bookings via SmartBuy (up to ₹0.50/point value).
- Low foreign currency markup rate (2.0%) compared to standard cards (3.5%).
Cons / Limitations
- Relatively high joining and annual fees of ₹2,500.
- Higher minimum spend threshold (₹4 Lakhs) required to waive the annual fee.
- Points redemption fee of ₹99 is applicable per transaction.
BSBI Cashback Credit Card Highlights
Pros
- Unrestricted 5% cashback on online purchases across most e-commerce apps.
- Cashback is credited automatically to your credit card statement within the next billing cycle.
- Relatively low spending threshold for annual fee waiver (₹2 Lakhs).
Cons / Limitations
- No domestic or international airport lounge access benefits.
- Monthly cashback is capped at ₹5,000 per statement cycle.
- Excludes utility payments, insurance, education, and rent from 5% cashback.
CardCompare India Editorial Verdict
Both cards offer excellent value in their respective segments. If you prefer lower annual fees, SBI Cashback Credit Card is the clear choice. For travelers, check the Lounge Access and Forex Markup specs above to determine the winner.
Our comparisons are editorially independent. We may earn a commission. Banks verify CIBIL and issue final approvals.Fees, interest rates, reward rates, lounge lists, and eligibility terms are subject to change by issuing banks. CardCompare India is an independent review site and cannot guarantee final card approvals. Review the bank's official Reward Charters and Most Important Terms and Conditions (MITC) before submitting credit applications.