Hdfc Regalia Gold Credit CardState Bank of India Smart Cashback Credit Card
Side-by-side comparison of fees, rewards, benefits & more
Hdfc Regalia Gold Credit Card
HDFC Bank
4.5/5
State Bank of India Smart Cashback Credit Card
State Bank of India
4.3/5
Feature
Hdfc Regalia Gold Credit Card
State Bank of India Smart Cashback Credit Card
Bank / Issuer
HDFC Bank
State Bank of India
Card Network
Mastercard
Mastercard
Card Type
premium
Entry
Annual Fee
₹2,500 + GST
₹499 + GST
Joining Fee
—
₹499 + GST
First Year Fee
₹2,500 + GST
₹499 + GST
Fee Waiver Condition
Waived for the next year if you spend ₹4 Lakh in the preceding anniversary year.
Spend ₹1 lakh in a year
Contactless Payment
Effectively Free
State Bank of India Smart Cashback Credit Card — Key Features
- Cashback credited monthly
- Milestone spend fee waiver
State Bank of India Smart Cashback Credit Card — Benefits
- Easy-to-track savings on regular expenses
Fee & Charges Summary
Hdfc Regalia Gold Credit Card
| Fee |
State Bank of India Smart Cashback Credit Card
| Interest | 3.5% per month |
| Late Payment Fee | As per statement amount slab |
Hdfc Regalia Gold Credit Card — Highlights
- Best-in-Class Redemption: Reward points can be redeemed against the Exclusive Gold Catalogue (Apple, Bose, etc.) at a high value of 1 RP = ₹0.65.
State Bank of India Smart Cashback Credit Card — Highlights
- Flat cashback on eligible spends
- Extra benefits on utility payments
Frequently Asked Questions
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