State Bank of India Smart Cashback Credit CardHdfc Regalia Gold Credit Card
Side-by-side comparison of fees, rewards, benefits & more
State Bank of India Smart Cashback Credit Card
State Bank of India
4.3/5
Hdfc Regalia Gold Credit Card
HDFC Bank
4.5/5
Feature
State Bank of India Smart Cashback Credit Card
Hdfc Regalia Gold Credit Card
Bank / Issuer
State Bank of India
HDFC Bank
Card Network
Mastercard
Mastercard
Card Type
Entry
premium
Annual Fee
₹499 + GST
₹2,500 + GST
Joining Fee
₹499 + GST
—
First Year Fee
₹499 + GST
₹2,500 + GST
Fee Waiver Condition
Spend ₹1 lakh in a year
Waived for the next year if you spend ₹4 Lakh in the preceding anniversary 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
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
| Fee |
State Bank of India Smart Cashback Credit Card — Highlights
- Flat cashback on eligible spends
- Extra benefits on utility payments
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.
Frequently Asked Questions
People Also Compare
Tata Neu Plus Hdfc Bank Credit Card vs Hdfc Diners Club Black Metal Edition Credit CardTata Neu Plus Hdfc Bank Credit Card vs Hdfc Millennia Credit CardTata Neu Plus Hdfc Bank Credit Card vs State Bank of India Shopping Plus Credit CardTata Neu Plus Hdfc Bank Credit Card vs Punjab National Bank Travel Signature Credit CardTata Neu Plus Hdfc Bank Credit Card vs Jammu & Kashmir Bank Smart Cashback Credit CardTata Neu Plus Hdfc Bank Credit Card vs Jammu & Kashmir Bank Shopping Plus Credit Card