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HDFC Regalia Gold vs SBI Cashback Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

HDFC Regalia Gold Credit Card versus SBI Cashback Credit Card compared
FeatureHDFC Regalia Gold Credit CardHDFC Regalia Gold Credit CardHDFC Bank5 recent changes →
SBI Cashback Credit CardSBI Cashback Credit CardState Bank of India5 recent changes →
Rewards by spend
Rewards1.25% on most spends; 6.25% only at partner merchants1% base, up to 5% on online shopping
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping1.25%; 6.25% only at Myntra, Marks & Spencer, Nykaa, Reliance Digital5%
Dining and food delivery1.25%1%
Groceries1.25%1%
Travel: flights, hotels, trains1.25%; 6.25% only at HDFC SmartBuy1%
FuelNot statedEarns nothing
Bills and rechargesNot statedEarns nothing
RentNot statedEarns nothing
Insurance premiumsNot statedEarns nothing
School and college feesNot statedEarns nothing
Wallet top-upsNot statedEarns nothing
Taxes and government paymentsNot statedEarns nothing
Spend abroad or in a foreign currency1.25%1%
Everything else1.25%1%
Card identity
Card typesameShoppingShopping
NetworksameVisaVisa
Card tierPremiumMid
Fees
Joining fee₹2,500 + GST₹999 + GST
Annual fee₹2,500 + GST₹999 + GST
Fee waived at₹4,00,000₹2,00,000
Eligibility
Min age21 years-
Max age60 years-
Employment typesameBOTHBOTH
Min monthly salary₹1,50,000-
Min credit score-650
Rewards
Reward typeReward pointsCashback
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiverNoYes
Fuel waiver cap-₹100
Lounge access
Domestic lounge visits12-
International lounge visits6-
Lounge programmePRIORITY_PASS-
Priority PassYesNo
Lounge conditionSpend Rs 60,000 in the previous quarter for domestic lounge access-
Forex and international
Forex markup2%3.5%
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Page content
Eligibility-Age: 21 to 65 years Employment: Both salaried and self-employed individuals Minimum Income: Rs 30,000 Credit Score: 650+ with no delayed payments in the past 12 months New-to-Credit: Allowed only for salaried applicants
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or salary slips Photograph: Recent passport-sized photo
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Worth in Rupees at ₹20,000 a Month

HDFC Regalia Gold Credit Card
Rewards a year
₹3,000
Fee a year
- ₹2,950
You keep
₹50
SBI Cashback Credit Card
Rewards a year
₹4,800
Fee a year
₹0
You keep
₹4,800

At this spend, SBI Cashback Credit Card comes out ₹4,750 a year ahead of HDFC Regalia Gold Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

HDFC Regalia Gold Credit Card
  • Salaried professionals
  • Occasional domestic and international travellers
  • Myntra and Nykaa shoppers
SBI Cashback Credit Card
  • Heavy online shoppers
  • People who want plain cashback, not points
  • Shoppers who use many different websites

Watch-Outs

HDFC Regalia Gold Credit Card
  • Domestic lounge access needs Rs 60,000 spend in the previous quarter
  • Accelerated rewards are capped each month
  • Needs a fairly high income to qualify
SBI Cashback Credit Card
  • No cashback on utilities, insurance, fuel, rent, wallets or EMIs
  • 5% stops after Rs 40,000 online spend a month
  • No airport lounge access
  • 3.5% forex fee

Card data sourced via CardAdvisor.in (HDFC Regalia Gold Credit Card, SBI Cashback Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, HDFC Regalia Gold Credit Card or SBI Cashback Credit Card?

SBI Cashback Credit Card. SBI Cashback Credit Card: ₹999; HDFC Regalia Gold Credit Card: ₹2,500. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

HDFC Regalia Gold Credit Card has the lowest forex markup. HDFC Regalia Gold Credit Card: 2%; SBI Cashback Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: HDFC Regalia Gold Credit Card 1.25%, SBI Cashback Credit Card 1%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

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