SBI Card ELITE vs HDFC Regalia
Cap-aware comparison at ₹59,000/month total spend · Data verified March 2026
SBI Card ELITE
₹4,999/yr
₹875
cashback/month
Winner
HDFC Regalia
₹2,500/yr
₹785
cashback/month
Category-by-Category Breakdown
🍽️Dining
₹8,000/moSBI Card ELITE
₹2002.5%
HDFC Regalia
₹1061.33%
✈️Travel
₹10,000/moSBI Card ELITE
₹500.5%
HDFC Regalia
₹1331.33%
🛒Online Shopping
₹10,000/moSBI Card ELITE
₹500.5%
HDFC Regalia
₹1331.33%
🥦Groceries
₹8,000/moSBI Card ELITE
₹2002.5%
HDFC Regalia
₹1061.33%
⛽Fuel
₹5,000/moSBI Card ELITE
₹250.5%
HDFC Regalia
₹671.33%
💡Utilities
₹5,000/moSBI Card ELITE
₹250.5%
HDFC Regalia
₹671.33%
🎬Entertainment
₹5,000/moSBI Card ELITE
₹1252.5%
HDFC Regalia
₹671.33%
🛍️Shopping
₹8,000/moSBI Card ELITE
₹2002.5%
HDFC Regalia
₹1061.33%
Quick Specs
Annual Fee₹4,999₹2,500
Fee Waiver₹10L annual spend₹4L annual spend
NetworkVisa/MC/AmexVisa/MC
Lounge Access14/year18/year
Card TypePremiumPremium
The Verdict
It's nearly a tie — just ₹90 difference per month. SBI Card ELITE wins 4 categories, HDFC Regalia wins 4. Pick based on which categories matter most to you, or get both for full coverage.
Pick SBI Card ELITE if
→ You spend heavily on dining, groceries, entertainment
View SBI Card ELITE details →Pick HDFC Regalia if
→ You spend heavily on travel, online shopping, fuel
→ You want a lower fee (₹2,500/year vs ₹4,999/year)
View HDFC Regalia details →Or use both
Use SBI Card ELITE for dining and groceries, and HDFC Regalia for travel and online shopping. Combined fee: ₹7,499/year.
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