HDFC Bank Regalia Credit Card vs SBI Prime Credit Card

HDFC Bank Regalia Credit Card and SBI Prime Credit Card are one of the premium credit cards in the market that are designed for the elite section of society. Both the credit cards provide you with various exclusive offers on your travel and lifestyle spends. The HDFC Bank Regalia Credit Card is one of the classy credit cards issued by HDFC Bank. Apart from offering amazing deals on your travel and lifestyle, this credit card rewards you with bonus reward points as a welcome benefit. This card has been specially designed for people who want to enjoy luxuries in their lifestyle while traveling and dining. Reward points can be earned on all spends made using this credit card. The cardholder gets complimentary access to international and domestic lounges and is also entitled to a complimentary Priority Pass Membership.

SBI Prime Credit Card, a downgraded version of SBI Elite Credit Card provides you with great rewards on your lifestyle spends. SBI Bank offers this card in three variants – Visa, MasterCard, and American Express. This card provides accelerated reward points while you spend using this card on dining, groceries, and departmental stores. Along with rewards points, the SBI Prime Credit Card also offers you some value-added benefits such as complimentary domestic and international lounge access, discounts on hotel bookings and movie tickets, etc. The renewal and joining fee of the SBI Prime Credit Card is placed at Rs. 2,500 This card comes with a joining fee and renewal fee of Rs. 2,500 which can be waived off on the basis of your spends in the previous year.

Both the credit cards provide some great benefits to the customers in terms of luxurious travel and lifestyle but at some point are quite different from each other. Lets us discuss in detail about the features and benefits provided by these credit cards to have a better understanding of both the cards.

HDFC Bank Regalia Credit Card

HDFC Bank Regalia Credit Card is a premium credit card that offers you great deals on your travel and lifestyle. With a joining fee of Rs. 2,500, this card provides you amazing welcome benefits and reward points on your spends made using this credit card. Apart from this, HDFC Regalia card also provides you with discounts on your dining bills, domestic and international lounge access, complimentary Priority Pass Membership, and much more. Let us now discuss in detail about the features and benefits of the HDFC Bank Regalia Credit Card-

• As a welcome gift, the cardholder gets 2,500 bonus reward points on successful payment of the joining fee of the credit card.
• The cardholder will get 4 Reward Points for every Rs. 150 spent on all transactions except fuel, EasyEMI, and Wallet Transactions.
• The reward points earned on insurance transcations are capped at 2,000 in a day.
• With the HDFC Bank Regalia Credit Card, you get 12 complimentary access to domestic lounges in a year, limited to 3 per quarter.
• You get a complimentary Priority Pass Membership and 6 complimentary international lounge visits.
• If you are able to spend Rs. 75,000 or more using your credit card, you are entitled to an exclusive dine-out passport membership which includes a 25% discount on your dining bills at more than 2,000 premium restaurants.
• You get a buy 1 get 1 offer in over 200 restaurants along with 5% off and no convenience charges.
• Fuel surcharge waiver of 1% at all fuel stations in India on transactions between Rs. 400 and Rs. 5,000.
• As a milestone benefit, you are rewarded with 10,000 Reward Points if you are able to achieve spends of Rs. 5 Lakhs or more in an anniversary year.
• You will be given additional 5,000 Reward Points on crossing spends of Rs. 8 Lakhs in an anniversary year.
• This card offers a low foreign currency markup fee of 2% which can help you in saving a lot on your international transactions.
• The renewal fee of HDFC Bank Regalia Credit Card can be waived off if you spend Rs. 3 Lakh or more using your credit card in an anniversary year.
• The Reward Points earned can be redeemed on the Smartbuy portal where 1 RP = Rs. 0.5 for redemption against flight and hotel bookings, 1RP = Rs. 0.35 for redemption against products and vouchers, 1 RP = Rs. 0.20 for cashback and 1 RP = 0.5 Air Mile for redemption against Air Miles.

SBI Prime Credit Card

SBI Prime Card is a downgraded version of the SBI Elite Credit Card. The features and benefits that this card offers are quite similar to that of the SBI Elite Credit Card. You can earn accelerated reward points while paying for dining, grocery, and departmental store bills while making payments using this card. In addition to the reward points, this card also provides you with domestic and international lounge access, discounts on hotel bookings, etc. With a joining fee of Rs. 2,999 (plus applicable taxes), and the rewards and benefits that this card provides are quite decent. Let us now discuss in detail about this credit card by SBI-

• As a welcome gift, you get a gift voucher worth Rs. 3,000 which can be of any brand our of – Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop, and Yatra.com.
• You earn 5x Rewards for every Rs. 100 spent on movie, grocery, dining, and departmental store bills.
• 2 Reward Points for every Rs. 100 spent on all other categories
• 10x Reward Points for every Rs. 100 spent on birthday (a day before, a day after, and on the day of birthday). The rewards points on birthday spends are capped at a maximum of 2,000 per calendar year.
• You can enjoy up to 25% off on your dining bills at all the partnered restaurants while paying through SBI Prime Credit Card, Complimentary Tablet Plus Membership with access to VIP upgrades at hotels around the world (These benefits are available to SBI Prime Credit Card -American Express Variant only)
• You get complimentary Club Vistara and Trident Privilege Red Tier Membership.
• Up to 15% off on the best available room rent on Lalit and F&B Hotels, up to 10% off on Hertz Car Rentals, and up to 35% off on Avis Car Rentals and exclusive benefits across 900 luxury hotels. (These benefits are applicable for SBI Prime Credit Card – Visa Variant only)
• The cardholder can enjoy 8 domestic and 4 international complimentary lounge access. (limited to 2 per quarter)
• With SBI Prime Credit Card MasterCard Variant, you can enjoy 4 rounds of complimentary green fees and a maximum of 50% discount on golf games along with 1 complimentary lesson per month at the selected golf courses in India.
• 1% fuel surcharge waiver on all transactions between Rs. 500 and Rs. 4,000 at all fuel stations across India. (Waiver capping of Rs. 250 in a month)You get the following as milestone benefits –

– Pizza Hut e-voucher worth Rs. 1,000 on spending Rs. 50,000 in a quarter
– E-voucher from either Yatra or Pantaloons on achieving annual spends of Rs. 5 Lakhs

• The rewards earned with this card can be redeemed for gift vouchers available at www.sbicard.com, or for paying SBI Credit Card Bill wherein 1 Reward Point = Rs. 0.25

Quick Comparison

Now that we have discussed about the features of both the cards individually, let us now have a quick comparison between The HDFC Bank Regalia Credit Card and The SBI Prime Credit Card-

Bottom Line

The HDFC Bank Regalia Credit Card and SBI Prime Credit Card are premium credit cards that are specially curated for the premium section of the society. Both the credit cards provide attractive benefits and fulfill some specific needs of their customers. While SBI Prime Credit Card comes with a bit higher annual fee than the HDFC Regalia Credit Card, on the other hand, the HDFC Regalia Credit Card provides better travel options than the SBI Prime Credit Card. Both the cards provide unmatched benefits and give tough competition to each other but the ultimate decision of choosing between the credit cards lies in the hand of the applicant.
For any more queries related to these cards, please feel free to ask us in the comment section below!

Also Read: HDFC Regalia Vs Millennia Credit Card