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HDFC Regalia Gold vs SBI Card against Fixed Deposit

Honest side-by-side comparison of HDFC Regalia Gold, SBI Card against Fixed Deposit — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

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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

SBI Card against Fixed Deposit

SBI Card

Your adjusted comparison

Feature
HDFC Regalia Gold credit card

HDFC Regalia Gold

HDFC Bank

SBI Card against Fixed Deposit credit card

SBI Card against Fixed Deposit

SBI Card

Fees & eligibility
Annual fee₹2,500Lifetime free
Fee waiver threshold₹4,00,000/yrLifetime free
Min income₹50,000/moNot stated
Secured / FD-backedStandardFD-backed
Rewards
Net annual value (moderate)-₹670/yr₹1,440/yr
Top reward rate5 RP/₹20080% of FD value
Primary reward cap₹15,000 eligible spend/moNo monthly cap published
Perks & restrictions
Lounge accessUp 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 MITCNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · WalletNot stated
Bonuses
Signup bonus₹2,500—

Stack mode (hold both)

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

HDFC Regalia Gold details →SBI Card against Fixed Deposit details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Card against Fixed Deposit leads HDFC Regalia Gold by about ₹2,110/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 SBI Card against Fixed Deposit comparison table
FeatureHDFC Regalia Gold

HDFC Bank

SBI Card against Fixed Deposit

SBI Card

Fees & eligibility
Annual fee₹2,500Lifetime free
Fee waiver threshold₹4,00,000/yrLifetime free
Min income₹50,000/moNot stated
Secured / FD-backedStandardFD-backed
Rewards
Net annual value (moderate)-₹670/yr₹1,440/yr
Top reward rate5 RP/₹20080% of FD value
Primary reward cap₹15,000 eligible spend/moNo monthly cap published
Perks & restrictions
Lounge accessUp 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 MITCNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · WalletNot stated
Bonuses
Signup bonus₹2,500—

Frequently asked questions

Which card has the lower annual fee?
SBI Card against Fixed Deposit has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
SBI Card against Fixed Deposit leads with an estimated ₹1,440/yr net annual value on moderate spend.
Which card has the lower income requirement?
HDFC Regalia Gold lists a minimum monthly income of ₹50,000.
Which cards are secured (FD-backed)?
SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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