Side-by-side · honest numbers
HDFC Regalia Gold vs PhonePe SBI Card PURPLE
Honest side-by-side comparison of HDFC Regalia Gold, PhonePe SBI Card PURPLE — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
Customize your spend
Change spend profile or swap cards — results update live below.
Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
HDFC Regalia Gold
HDFC Bank
PhonePe SBI Card PURPLE
SBI Card
Your adjusted comparison
| Feature | HDFC Bank Regalia Gold 6521 6408 8426 3053 Valid thru 12/28 Acc CREDIT Card holder HDFC REGALIA GOLD Customer service HDFC Bank · 1800-XXX-XXXX Authorized signature CVV••• HDFC Regalia Gold Top reward: 5 RP/₹200 Annual fee: ₹2,500 Min income: ₹50,000/mo Property of HDFC Bank. If found, return to nearest branch. Not valid unless signed. Tap to flip back HDFC Regalia Gold HDFC Bank | SBI Card PhonePe PURPLE 6521 1041 3255 9156 Valid thru 12/28 Acc CREDIT Card holder PHONEPE SBI CARD PURPL Customer service SBI Card · 1800-XXX-XXXX Authorized signature CVV••• PhonePe SBI Card PURPLE Top reward: 3% Annual fee: ₹499 Min income: ₹25,000/mo Property of SBI Card. If found, return to nearest branch. Not valid unless signed. Tap to flip back PhonePe SBI Card PURPLE SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹2,500 | ₹499 |
| Fee waiver threshold | ₹4,00,000/yr | Waived at ₹1,00,000/yr spend |
| Min income | ₹50,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹670/yr | ₹3,441/yr |
| Online shopping | — | ₹8,000 × 2% = ₹160/mo (₹1,920/yr) · issuer max ₹750/mo |
| Utilities & bills | — | ₹1,225 × 3% = ₹36.75/mo (₹441/yr) · issuer max ₹750/mo |
| Top reward rate | 5 RP/₹200 | 3% |
| Primary reward cap | ₹15,000 eligible spend/mo | ₹750 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | Up to 2 lounge vouchers/quarter — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in previous calendar quarter for domestic lounge voucher; SmartBuy milestone path may differ — verify MITC | None |
| UPI rewards | Not supported (Visa/MC) | Earns: 3% on PhonePe app spends (1% base on other UPI apps) · cap 250 pts/mo insurance + 750 pts/mo other PhonePe spends |
| Key exclusions | EMI · Fuel · Rent · Wallet | Fuel · Wallet top-ups · Rent · EMI · Cash advance |
| Bonuses | ||
| Signup bonus | ₹2,500 | ₹500 |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
Share this comparison
https://cardhungry.com/in/en/compare/hdfc-regalia-gold-vs-phonepe-sbi-purpleReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, PhonePe SBI Card PURPLE leads HDFC Regalia Gold by about ₹4,111/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | HDFC Regalia Gold HDFC Bank | PhonePe SBI Card PURPLE SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹2,500 | ₹499 |
| Fee waiver threshold | ₹4,00,000/yr | Waived at ₹1,00,000/yr spend |
| Min income | ₹50,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹670/yr | ₹3,441/yr |
| Online shopping | — | ₹8,000 × 2% = ₹160/mo (₹1,920/yr) · issuer max ₹750/mo |
| Utilities & bills | — | ₹1,225 × 3% = ₹36.75/mo (₹441/yr) · issuer max ₹750/mo |
| Top reward rate | 5 RP/₹200 | 3% |
| Primary reward cap | ₹15,000 eligible spend/mo | ₹750 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | Up to 2 lounge vouchers/quarter — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in previous calendar quarter for domestic lounge voucher; SmartBuy milestone path may differ — verify MITC | None |
| UPI rewards | Not supported (Visa/MC) | Earns: 3% on PhonePe app spends (1% base on other UPI apps) · cap 250 pts/mo insurance + 750 pts/mo other PhonePe spends |
| Key exclusions | EMI · Fuel · Rent · Wallet | Fuel · Wallet top-ups · Rent · EMI · Cash advance |
| Bonuses | ||
| Signup bonus | ₹2,500 | ₹500 |
Frequently asked questions
- Which card has the lower annual fee?
- PhonePe SBI Card PURPLE has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- PhonePe SBI Card PURPLE leads with an estimated ₹3,441/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- PhonePe SBI Card PURPLE lists a minimum monthly income of ₹25,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
More HDFC Regalia Gold comparisons
- HDFC Regalia Gold vs 811 Dream Different Credit Card
- HDFC Regalia Gold vs AU Altura Credit Card
- HDFC Regalia Gold vs AU Zenith Credit Card
- HDFC Regalia Gold vs American Express Gold Card
- HDFC Regalia Gold vs American Express Platinum Travel Card
- HDFC Regalia Gold vs American Express SmartEarn Credit Card
- HDFC Regalia Gold vs Amex Membership Rewards CC
- HDFC Regalia Gold vs Axis Bank ACE Credit Card
- HDFC Regalia Gold vs Axis Bank Airtel Credit Card
- HDFC Regalia Gold vs Axis Bank Atlas Credit Card
- HDFC Regalia Gold vs Axis Bank Flipkart Credit Card
- HDFC Regalia Gold vs Axis Bank Magnus Credit Card