Which card has the lower annual fee?

PhonePe SBI Card SELECT BLACK has the lowest annual fee at ₹1,499.

Which card earns more on moderate spend?

PhonePe SBI Card SELECT BLACK leads with an estimated ₹7,350/yr net annual value on moderate spend.

Which card has the lower income requirement?

PhonePe SBI Card SELECT BLACK 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.

Side-by-side · honest numbers

HDFC Regalia Gold vs PhonePe SBI Card SELECT BLACK

Honest side-by-side comparison of HDFC Regalia Gold, PhonePe SBI Card SELECT BLACK — 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.

Card 1

HDFC Regalia Gold

HDFC Bank

Card 2

PhonePe SBI Card SELECT BLACK

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 SELECT BLACK 6521 5463 7182 2897 Valid thru 12/28 Acc CREDIT Card holder PHONEPE SBI CARD SELEC Customer service SBI Card · 1800-XXX-XXXX Authorized signature CVV••• PhonePe SBI Card SELECT BLACK Top reward: 10% Annual fee: ₹1,499 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 SELECT BLACK SBI Card
Fees & eligibility
Annual fee	₹2,500	₹1,499
Fee waiver threshold	₹4,00,000/yr	Waived at ₹3,00,000/yr spend
Min income	₹50,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹670/yr	₹7,350/yr
Online shopping	—	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo
Utilities & bills	—	₹1,225 × 10% = ₹122.50/mo (₹1,470/yr) · issuer max ₹1,500/mo
Top reward rate	5 RP/₹200	10%
Primary reward cap	₹15,000 eligible spend/mo	₹1,500 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	4 domestic airport lounge visits per year · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Earns: 10% on PhonePe app spends (3% base on other UPI apps) · cap 500 pts/mo insurance + 1,500 pts/mo other PhonePe spends
Key exclusions	EMI · Fuel · Rent · Wallet	Fuel · Wallet top-ups · Rent · EMI · Cash advance
Bonuses
Signup bonus	₹2,500	₹1,500

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

HDFC Regalia Gold details →PhonePe SBI Card SELECT BLACK details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, PhonePe SBI Card SELECT BLACK leads HDFC Regalia Gold by about ₹8,020/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

HDFC Regalia Gold vs PhonePe SBI Card SELECT BLACK comparison table
Feature	HDFC Regalia Gold HDFC Bank	PhonePe SBI Card SELECT BLACK SBI Card
Fees & eligibility
Annual fee	₹2,500	₹1,499
Fee waiver threshold	₹4,00,000/yr	Waived at ₹3,00,000/yr spend
Min income	₹50,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹670/yr	₹7,350/yr
Online shopping	—	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo
Utilities & bills	—	₹1,225 × 10% = ₹122.50/mo (₹1,470/yr) · issuer max ₹1,500/mo
Top reward rate	5 RP/₹200	10%
Primary reward cap	₹15,000 eligible spend/mo	₹1,500 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	4 domestic airport lounge visits per year · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Earns: 10% on PhonePe app spends (3% base on other UPI apps) · cap 500 pts/mo insurance + 1,500 pts/mo other PhonePe spends
Key exclusions	EMI · Fuel · Rent · Wallet	Fuel · Wallet top-ups · Rent · EMI · Cash advance
Bonuses
Signup bonus	₹2,500	₹1,500

Frequently asked questions

Which card has the lower annual fee?: PhonePe SBI Card SELECT BLACK has the lowest annual fee at ₹1,499.
Which card earns more on moderate spend?: PhonePe SBI Card SELECT BLACK leads with an estimated ₹7,350/yr net annual value on moderate spend.
Which card has the lower income requirement?: PhonePe SBI Card SELECT BLACK 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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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