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HDFC Regalia Gold vs SBI Flipkart 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 Flipkart Credit Card compared
FeatureHDFC Regalia Gold Credit CardHDFC Regalia Gold Credit CardHDFC Bank5 recent changes →
SBI Flipkart Credit CardSBI Flipkart Credit CardState Bank of India2 recent changes →
Rewards by spend
Rewards1.25% on most spends; 6.25% only at partner merchants1% on most spends; 7.5% only at partner merchants
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping1.25%; 6.25% only at Myntra, Marks & Spencer, Nykaa, Reliance Digital1%; 7.5% only at Myntra; 5% only at Flipkart, Shopsy & Flipkart Travel
Dining and food delivery1.25%1%
Groceries1.25%1%
Travel: flights, hotels, trains1.25%; 6.25% only at HDFC SmartBuy1%; 5% only at Cleartrip
FuelNot statedEarns nothing
Bills and rechargesNot stated1%
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
NetworkVisaMastercard
Card tierPremiumMid
Fees
Joining fee₹2,500 + GST₹500 + GST
Annual fee₹2,500 + GST₹500 + GST
Fee waived at₹4,00,000₹3,50,000
Eligibility
Min age21 years-
Max age60 years-
Employment typesameBOTHBOTH
Min monthly salary₹1,50,000-
Rewards
Reward typeReward pointsCashback
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiverNoYes
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)3.75%-
Interest rate (annual)45%-
Page content
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
ApplyApply NowApply Now

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 Flipkart Credit Card
Rewards a year
₹2,400
Fee a year
- ₹590
You keep
₹1,810

At this spend, SBI Flipkart Credit Card comes out ₹1,760 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 Flipkart Credit Card
  • Regular Flipkart shoppers
  • Myntra fashion buyers
  • Cleartrip travel bookers

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 Flipkart Credit Card
  • Each boosted category has a monthly cap
  • Only 1% outside partner brands
  • High ₹3,50,000 waiver target
  • No lounge access

Card data sourced via CardAdvisor.in (HDFC Regalia Gold Credit Card, SBI Flipkart 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 Flipkart Credit Card?

SBI Flipkart Credit Card. SBI Flipkart Credit Card: ₹500; 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 Flipkart 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 Flipkart 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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