HDFC Bank Business Regalia Credit Card vs SBI Card Prime
HDFC Bank · SBI Card — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
HDFC BankScoreVery Good
Annual Fee₹2,500
Max Reward5%
SBI CardScoreGood
Annual Fee₹2,999
Max Reward2.5%
HDFC Bank Business Regalia Credit Card leads overall with a CardCheck Score of 78/100 (+13 pts over SBI Card Prime).
4-Pillar Head-to-Head Breakdown
HDFC vs SBIReward Power
35%HDFC34/35
SBI24/35
HDFC Wins
Fee Value & ROI
25%HDFC18/25
SBI18/25
Tie (18/25)
Lounge & Travel
20%HDFC18/20
SBI15/20
HDFC Wins
Forex & Access
20%HDFC8/20
SBI8/20
Tie (8/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 78Best
- 65
- Rating Verdict
- Very Good
- Good
- Reward Power (35%)
- 34/35
- 24/35
- Fee Value & ROI (25%)
- 18/25
- 18/25
- Lounge & Travel (20%)
- 18/20
- 15/20
- Forex & Access (20%)
- 8/20
- 8/20
02—Basic Info
- Bank
- HDFC Bank
- SBI Card
- Network
- Visa
- Visa
- Card type
- Premium
- Premium
- Best for
- Business owners — rewards + lounge + business-spend cashback
- Mid-premium lifestyle — 10X on dining & movies + complimentary lounge
03—Fees
- Joining fee
- ₹2,500Best
- ₹2,999
- Annual fee
- ₹2,500Best
- ₹2,999
- Fee waiver
- ₹4,00,000
- ₹3,00,000Best
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 42%
- 42%
- APR (max)
- 42%
- 42%
- Late payment fee
- ₹16,122
- ₹1,300Best
- Cash advance fee
- —
- 2.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 1%Best
- 0.5%
- Max rate
- 5%Best
- 2.5%
06—Travel & Lounge
- Domestic lounge / qtr
- 2
- 2
- Intl lounge / year
- 6Best
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 21
- Min income / month
- ₹75,000
- ₹60,000
- Min CIBIL
- 750
- 720Best
- Invite only
Rows won
06of 09
03of 09
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 78Best | 65 |
| Rating Verdict | Very Good | Good |
| Reward Power (35%) | 34/35 | 24/35 |
| Fee Value & ROI (25%) | 18/25 | 18/25 |
| Lounge & Travel (20%) | 18/20 | 15/20 |
| Forex & Access (20%) | 8/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | SBI Card |
| Network | Visa | Visa |
| Card type | Premium | Premium |
| Best for | Business owners — rewards + lounge + business-spend cashback | Mid-premium lifestyle — 10X on dining & movies + complimentary lounge |
03—Fees Differences highlighted | ||
| Joining fee | ₹2,500Best | ₹2,999 |
| Annual fee | ₹2,500Best | ₹2,999 |
| Fee waiver | ₹4,00,000 | ₹3,00,000Best |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 42% | 42% |
| Late payment fee | ₹16,122 | ₹1,300Best |
| Cash advance fee | — | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1%Best | 0.5% |
| Max rate | 5%Best | 2.5% |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2 | 2 |
| Intl lounge / year | 6Best | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 21 |
| Min income / month | ₹75,000 | ₹60,000 |
| Min CIBIL | 750 | 720Best |
| Invite only | ||
| Rows won | 06of 09 | 03of 09 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | HDFC Bank Business Regalia Credit Card | SBI Card Prime |
|---|---|---|
| CardCheck Score | 78/100Very Good | 65/100Good |
| Annual Fee | ₹2,500 | ₹2,999 |
| Fee Waiver Spend | ₹4L/yr | ₹3L/yr |
| Max Reward Potential | 5% | 2.5% |
| Domestic Lounge Access | 2 / quarter | 2 / quarter |
| International Lounge | 6 / year | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose HDFC Bank Business Regalia Credit Card if:
Your spending centers around business owners — rewards + lounge + business-spend cashback and you want direct partner rewards with HDFC Bank.
Choose SBI Card Prime if:
Your spending aligns with mid-premium lifestyle — 10x on dining & movies + complimentary lounge and you prioritize SBI Card's redemption benefits.
Frequently asked questions: HDFC Bank Business Regalia Credit Card vs SBI Card Prime
- Which is better: HDFC Bank Business Regalia Credit Card or SBI Card Prime?
- HDFC Bank Business Regalia Credit Card holds a higher overall rating with a CardCheck Score of 78/100 (Very Good) compared to 65/100 (Good) for SBI Card Prime (a lead of +13 points). HDFC Bank Business Regalia Credit Card provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- HDFC Bank Business Regalia Credit Card charges an annual fee of ₹2,500 with an annual spend threshold of ₹4 Lakh for renewal fee waiver. In comparison, SBI Card Prime charges an annual fee of ₹2,999 with an annual spend threshold of ₹3 Lakh.
- How do the reward rates and cashback compare between HDFC Bank Business Regalia Credit Card and SBI Card Prime?
- HDFC Bank Business Regalia Credit Card offers a base reward rate of 1% and up to 5% on accelerated partner categories. Meanwhile, SBI Card Prime offers a base rate of 0.5% and up to 2.5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: HDFC Bank Business Regalia Credit Card or SBI Card Prime?
- HDFC Bank Business Regalia Credit Card provides 2 domestic lounge visit(s) per quarter and 6 international lounge visit(s)/yr. On the other hand, SBI Card Prime provides 2 domestic lounge visit(s) per quarter. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- HDFC Bank Business Regalia Credit Card levies a foreign currency markup fee of 3.5%, while SBI Card Prime charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).