HDFC Bank Regalia First Credit Card Visa vs Lifestyle Home Centre SBI Card Prime Credit Card: Which is Better in 2026?
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In short: HDFC Regalia First has the lower annual fee (₹1,000 vs ₹2,999); both charge a 3.5% forex markup.
| Key facts | HDFC Regalia First | Lifestyle Home Centre SBI Prime |
|---|---|---|
| Annual fee | ₹1,000 | ₹2,999 |
| Joining fee | ₹1,000 | Not listed |
| Annual fee waived | On ₹1 lakh annual spend | Not listed |
| Lounge access | Not listed | 8 airport lounge visits a year |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The HDFC Bank Regalia First Credit Card Visa and the Lifestyle Home Centre SBI Card Prime Credit Card both offer reward points and milestone benefits but cater to different spending patterns. Regalia First focuses on broad rewards across categories like education and utilities, while SBI Card Prime emphasizes shopping and lifestyle rewards. Additionally, SBI Card Prime provides airport lounge access, which Regalia First lacks. Both cards have similar forex markup fees but differ in annual fees and fee waiver conditions.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | HDFC Bank Regalia First Credit Card Visa | Lifestyle Home Centre Sbi Card Prime Credit Card |
|---|---|---|
| Bank | HDFC Bank | SBI Cards |
| Network | Visa | Visa |
| Joining fee | Joining Fee of Rs.1000 | — |
| Annual / renewal fee | Renewal Fee of Rs.1000 | Annual Fee of Rs.2999 |
| Annual fee waiver | Spend Rs.1 Lakh For Renewal Fee Waiver | — |
| Reward rate (headline) | Earn 3 Rewards Points For Every Rs.200 | Earn 2 Reward Points per Rs.100 |
| Lounge — domestic | — | 8 Complimentary Airport Lounge Access Per Year |
| Lounge — international | — | 4 Complimentary Airport Lounge Access Per Calendar Year |
| Welcome benefit | Welcome Benefit - Rs.1000 Reward Points | Welcome Benefit - 12000 Bonus Reward Points |
| Milestone benefit | 5000 Bonus RP on Rs.9 Lakh Spends Per Anniversary Year; Earn 7500 Reward Points on Spend of Rs.6 Lakhs | Earn 6000 Bonus Reward Points Across all Landmark Stores; Earn 12000 Bonus Reward Points Across all Landmark Stores |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
Both cards offer attractive rewards but target different spending habits. HDFC Regalia First provides 3 reward points for every Rs.200 spent across various categories including education, insurance, and utilities, with milestone bonuses on high annual spends. SBI Card Prime offers 2 reward points per Rs.100 spent generally, but significantly higher points on dining, movies, and purchases at Landmark stores, along with milestone bonuses tied to shopping spends. Depending on whether you prioritize diverse category rewards or focused lifestyle shopping benefits, either card could be advantageous.
Which is better for travel?
For travel-related benefits, the SBI Card Prime stands out by offering 8 complimentary domestic airport lounge accesses and 4 international lounge accesses annually. In contrast, the HDFC Regalia First card does not provide any lounge access benefits. Both cards have the same forex markup fee of 3.5%, so SBI Card Prime offers better travel convenience and comfort without additional forex cost differences.
Which has lower effective cost?
The HDFC Regalia First card has a joining and renewal fee of Rs.1000 each, with a renewal fee waiver if you spend Rs.1 lakh annually. The SBI Card Prime charges a higher annual fee of Rs.2999 without a stated waiver. Considering fee waivers and lower upfront costs, Regalia First can be more cost-effective for moderate spenders, while SBI Card Prime’s higher fee might be justified by its superior lounge access and shopping rewards for heavy users.
Reward Focus
HDFC Regalia First offers rewards across multiple everyday spending categories including education, insurance, and utilities, making it versatile for varied expenses. SBI Card Prime is more focused on lifestyle and shopping rewards, particularly at Landmark stores, dining, and entertainment, catering to users with those spending patterns.
Travel Benefits
SBI Card Prime provides significant travel perks with 12 complimentary airport lounge visits annually (8 domestic and 4 international), which the Regalia First card does not offer. This makes SBI Card Prime more suitable for frequent travelers seeking lounge access.
Fee Structure and Waivers
Regalia First has a lower joining and renewal fee with a clear waiver on renewal if you spend Rs.1 lakh annually, making it cost-effective for moderate spenders. SBI Card Prime has a higher annual fee with no stated waiver, which may be justified by its premium benefits for heavy users.
Who should pick HDFC Bank Regalia First Credit Card Visa?
Consider HDFC Bank Regalia First Credit Card Visa if you want a card with a lower joining and renewal fee and a straightforward fee waiver condition. It is suitable for users who spend across diverse categories like education, insurance, and utilities and want to earn consistent reward points with milestone bonuses on higher spends. This card is also a better pick for beginners looking for a balanced rewards structure without premium travel perks.
Who should pick Lifestyle Home Centre Sbi Card Prime Credit Card?
Consider Lifestyle Home Centre SBI Card Prime Credit Card if you prioritize lifestyle and shopping rewards, especially at Landmark stores, dining, and movies. It is also a better choice if you value airport lounge access both domestically and internationally, enhancing your travel experience. Despite its higher annual fee, the card’s benefits may appeal to frequent shoppers and travelers who can maximize the milestone and renewal reward points.
Frequently Asked Questions
HDFC Regalia First has a joining and renewal fee of Rs.1000 each, with a renewal fee waiver if you spend Rs.1 lakh annually. Lifestyle Home Centre SBI Card Prime charges an annual fee of Rs.2999 with no stated waiver.
Lifestyle Home Centre SBI Card Prime offers 8 complimentary domestic and 4 international airport lounge accesses per year, while HDFC Regalia First does not provide any lounge access benefits.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.
Yes, both cards offer milestone reward points. Regalia First gives bonus points on spends of Rs.6 lakhs and Rs.9 lakhs annually. SBI Card Prime offers multiple bonus rewards on Landmark store spends and a renewal benefit of 12,000 reward points.
HDFC Regalia First provides 3 reward points for every Rs.200 spent across various categories including education and utilities, suitable for diverse spending. SBI Card Prime offers 2 reward points per Rs.100 generally, with higher rewards on dining, movies, and Landmark stores.