HDFC Regalia Gold vs SBI Cashback Card
Net value is estimated on a sample monthly spend, ranked by value not commission.
Verdict
On our reference spend profile, HDFC Regalia Gold comes out ahead on estimated net value — about ₹32,699/yr more than the SBI Cashback Card. Your own spending pattern can change this — run the numbers in the rewards calculator.
| Attribute | HDFC Regalia Gold Best valuePopular | SBI Cashback Card Popular |
|---|---|---|
| Issuer | HDFC Bank | SBI Card |
| Annual fee | ₹2,500 / year | ₹999 / year |
| Welcome bonus | Gift voucher worth ₹2,500 | — |
| Min. income (monthly) | INR 100,000 | INR 30,000 |
| Reward type | points | cashback |
| Headline rate | — | 5% cashback |
| Bonus categories | dining, travel, international | online, offline |
| Lounge access | Yes | No |
| Foreign tx fee | 2% | 3.5% |
| Est. net value / yr | ₹51,740 | ₹19,041 |
| Apply | Apply |
Frequently asked questions
- HDFC Regalia Gold vs SBI Cashback Card: which is better?
- On our reference spend profile the HDFC Regalia Gold delivers higher estimated net value than the SBI Cashback Card in India, so it wins on value. Your own spending pattern may change the result — run both through the rewards calculator.
- What is the annual fee difference between HDFC Regalia Gold and SBI Cashback Card?
- HDFC Regalia Gold: ₹2,500 / year. SBI Cashback Card: ₹999 / year.
- Which earns more rewards, HDFC Regalia Gold or SBI Cashback Card?
- HDFC Regalia Gold earns points; SBI Cashback Card earns 5% cashback. We rank by net value after fees, not headline rate alone.