HDFC Regalia Gold vs SBI CashBack Card vs SC DigiSmart
Side-by-side credit card comparison to help you choose the best one.
Our Pick
HDFC Regalia Gold
4.8
Why this card wins: Travel & Luxury — 4X reward points on every ₹150 spent
| Feature | HDFC Regalia Gold | SBI CashBack Card | SC DigiSmart |
|---|---|---|---|
| Bank | HDFC Bank | SBI | Standard Chartered |
| Card Type | Premium | Premium Cashback | Cashback |
| Annual Fee | ₹2,500 + GST | ₹999 + GST | Lifetime Free |
| Joining Fee | ₹2,500 + GST | ₹999 + GST | Nil |
| Rewards | 4X reward points on every ₹150 spent | 5% Cashback on ALL online spends | 5% cashback on Flipkart, Myntra, Swiggy, Zomato |
| Best For | Travel & Luxury | Pure Cashback | Online Shopping |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.35% per month (40.20% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹2,00,000 - ₹10,00,000 | ₹50,000 - ₹5,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | 2500 reward points on first spend | None | None |
| Min Income | ₹60,000/month | ₹30,000/month | ₹20,000/month |
| Lounge Access | 12 domestic + 6 international per year | None | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver (cap ₹100/month) | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | ₹499 + GST | Free |
| Rating | 4.8 | 4.5 | 4.3 |
| Contactless | |||
| EMI Conversion |
Key Features
Our Pick
HDFC Regalia Gold
Travel & Luxury
Visa • Premium
- Complimentary Club Marriott membership
- Complimentary flight tickets on spend milestones
- 12 domestic & 6 international lounge visits
- 1% fuel surcharge waiver (₹400-₹5000)
SBI CashBack Card
Pure Cashback
Visa • Premium Cashback
- 1% cashback on offline spends
- Direct cashback credit to statement
- No merchant restrictions for 5% cashback
- Fuel surcharge waiver up to ₹100/month
SC DigiSmart
Online Shopping
Mastercard • Cashback
- No annual fee ever
- 5% cashback on top online brands
- 1% cashback on all other spends
- Smart EMI on purchases above ₹2,500
Verdict
Based on rating and overall value, HDFC Regalia Gold ranks highest among your selected cards. It excels at Travel & Luxury and offers 4X reward points on every ₹150 spent.