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| Feature | SBI Card PhonePe SBI Card SELECT BLACK | HDFC Bank HDFC Regalia Gold Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | SBI Card | HDFC Bank |
| Network | Visa | Visa |
| Annual fee | ₹1,499 + GST per year | ₹2,500 + GST per year |
| Annual fee waiver | At ₹3,00,000 annual spending | At ₹4,00,000 annual spending |
| Base reward rate | 1% | 0.4% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | Maximum points per statement cycle: ₹7,500/statement cycle |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | 4 domestic airport lounge visits per year | 12 domestic airport lounge visits per year • 6 international airport lounge visits per year |
| Forex markup | 3.5% | 2% |
| Monthly income requirement | Not listed | Approx. ₹1,50,000/month salaried · ₹1,50,000/month self-employed |
| Terms verified | 13 Sept 2026 | 14 Sept 2026 |
| Best suited to | Heavy PhonePe users who also want lounge access and a mid-tier fee. | Salaried executives and families spending ₹40,000+ monthly with regular travel needs. |
| Main trade-off | PhonePe, online and other-spend rewards have separate monthly caps. From 1 July 2026, UPI transactions outside PhonePe earn no reward points, and Priority Pass visits are chargeable. | GainFair uses the lowest current published statement-credit value of ₹0.15 per point by default; travel and Gold Catalogue values require the matching redemption route. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
