HDFC Regalia Gold Credit Card vs SBI Elite Credit Card – Which Premium Card Should You Choose in 2025?

According to CardMela.com, premium credit cards in India are evolving rapidly, offering luxury benefits, reward programs, and lifestyle perks that cater to high-spending customers. Two popular contenders in this segment are the HDFC Regalia Gold Credit Card and the SBI Elite Credit Card. Both are designed for customers who value travel benefits, lounge access, and rewards, but each card comes with unique strengths.

In this detailed comparison, we will break down both cards on annual fees, rewards structure, travel perks, lifestyle benefits, and value for money to help you decide which one is right for you in 2025.

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Annual Fee & Welcome Benefits

Feature	HDFC Regalia Gold Credit Card	SBI Elite Credit Card
Annual Fee	₹2,500 + GST	₹4,999 + GST
Welcome Benefits	Complimentary memberships like MMT Black, Club Vistara Silver, Times Prime on meeting spend criteria	E-vouchers worth ₹5,000 from premium brands (on joining)
Fee Waiver	Spend ₹3 lakh in a year	Spend ₹10 lakh in a year

Verdict: If you want a lower entry cost, HDFC Regalia Gold wins. SBI Elite offers higher-value welcome gifts but with a higher fee.

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Rewards Program

Category	HDFC Regalia Gold	SBI Elite
Base Rewards	4 reward points per ₹150 spent	2 reward points per ₹100 spent
Milestone Benefits	Upto 5,000 bonus reward points on achieving annual spend milestones	₹10,000 worth e-vouchers on annual spend of ₹8 lakh
Redemption Value	1 RP = ₹0.50 for flights/hotels	1 RP = ₹0.25 for gifts/vouchers

Verdict: HDFC Regalia Gold offers a better points-to-value ratio for travel and hotel bookings.

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Travel Benefits

Feature	HDFC Regalia Gold	SBI Elite
Airport Lounge Access	12 domestic & 6 international visits per year	8 domestic & 6 international visits per year
Travel Memberships	Complimentary Club Vistara Silver & MMT Black	Trident Privilege membership
Forex Markup	2%	1.99%

Verdict: Both cards are strong on travel, but Regalia Gold edges ahead with higher domestic lounge visits and additional memberships.

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Lifestyle & Other Perks

• HDFC Regalia Gold: Times Prime subscription, dining discounts, premium concierge services. – Apply Now!
• SBI Elite: Complimentary movie tickets worth ₹6,000/year via BookMyShow, concierge services, golf benefits. – Apply Now!

If you watch a lot of movies, SBI Elite’s offer can save you more. For lifestyle memberships, Regalia Gold is ahead.

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Which Card Should You Pick in 2025?

Choose HDFC Regalia Gold Credit Card if:

• You want a lower annual fee with strong travel benefits.
• You frequently book hotels and flights using reward points.
• You value premium lifestyle memberships like Times Prime and MMT Black.

Apply Now!

Choose SBI Elite Credit Card if:

• You spend heavily (₹8-10 lakh annually) to unlock maximum benefits.
• You value free movie tickets and golf privileges.
• You want high-value joining gifts worth ₹5,000.

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Apply Now!

Final Word:
If you are a frequent traveler who loves maximizing reward points, the HDFC Regalia Gold Credit Card is better for 2025. If you spend big and want luxury lifestyle perks, the SBI Elite Credit Card is a strong alternative.

For more detailed comparisons and to apply online, visit CardMela.com.

Author Bio:

Ryana Moon is a Senior Editor and Credit Card Researcher at CardMela.com, helping 10,000+ users make smarter financial choices. With deep insights into India’s card ecosystem, she writes detailed guides backed by real data and user behaviour trends.