HDFC Bank Regalia Gold vs SBI Card SBI Card PRIME vs Bank of Baroda BOBCARD ETERNA

Side-by-side for the example profile – edit spend and travel needs to make it yours.

Recommendation for Typical Indian cardholder (₹32k/month)

HDFC Bank Regalia Gold scores highest (40/100) with ₹1,276 recurring net savings a year. Bank of Baroda BOBCARD ETERNA saves more in pure rupees (₹6,687) but scores lower on redemption, lifestyle or fee safety.

Edit your spend and travel needs above – scores, savings and this verdict update instantly. Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.

Card
HDFC Bank Regalia Gold credit cardHDFC BankRegalia Gold
SBI Card SBI Card PRIME credit cardSBI CardSBI Card PRIME
Bank of Baroda BOBCARD ETERNA credit cardBank of BarodaBOBCARD ETERNA
Overview
Personal score
4040/100
4848/100
5858/100
BEST
Recurring net savings₹1,276/yr₹3,474/yr₹6,687/yr BEST
Effective savings rate0.4%1.1%2.0% BEST
Annual fee incl. GSTYou pay ₹2,950Waived ₹3,539 BESTWaived ₹2,949 BEST
Usable lounge visits
✈12 dom🌏6 intl
you can use 2
✈8 dom🌏4 intl
you can use 2
✈4 dom
you can use 2
Why it fits✓ Base rate 1.33% on other spends earns you about ₹2,653 a year on…✓ 10 RP/₹100 on dining, grocery, departmental stores, movies earns you…✓ 15 RP/₹100 on travel, dining, international & online (5,000 RP/mo cap)…
Main drawback! You pay the ₹2,950 annual fee (incl. GST) – waiver needs ₹4,00,000…! Points are worth only ₹0.25 each – 1 RP = ₹0.25 on vouchers/statement.! Points are worth only ₹0.25 each – 1 RP = ₹0.25 on statement credit /…
Rewards on your spend
Groceries & quick-commerce (₹72,000/yr)₹575 0.8%₹1,080 1.5% BEST₹324 0.4%
Dining & food delivery (₹48,000/yr)₹562 1.2%₹1,056 2.2%₹1,584 3.3% BEST
Online shopping (₹72,000/yr)₹958 1.3%₹360 0.5%₹2,700 3.8% BEST
Fuel (₹36,000/yr)₹0 0.0%₹0 0.0%₹0 0.0%
Cabs & commute (₹18,000/yr)₹144 0.8% BEST₹54 0.3%₹81 0.4%
Bills & utilities (₹30,000/yr)₹399 1.3% BEST₹0 0.0%₹0 0.0%
Flights (₹24,000/yr)₹319 1.3%₹120 0.5%₹900 3.8% BEST
Hotels (₹12,000/yr)₹160 1.3%₹60 0.5%₹450 3.8% BEST
Movies & OTT (₹9,600/yr)₹128 1.3%₹240 2.5% BEST₹72 0.8%
Insurance premiums (₹18,000/yr)₹239 1.3% BEST₹0 0.0%₹0 0.0%
Everything else (₹48,000/yr)₹383 0.8% BEST₹144 0.3%₹216 0.4%
Base earn rate1.33% BEST0.5%0.75%
Accelerated categories
3 rules
  • 5X on Myntra, Nykaa, Marks & Spencer, Reliance Digital – 6.7%, cap ₹5,000/mo
  • Grocery (capped 2,000 RP/mo) – 1.3%, cap ₹1,000/mo
  • Utilities & insurance (capped 2,000 RP/mo) – 1.3%, cap ₹1,000/mo
1 rule
  • 10 RP/₹100 on dining, grocery, departmental stores, movies – 2.5%, cap ₹1,875/mo
1 rule
  • 15 RP/₹100 on travel, dining, international & online (5,000 RP/mo cap) – 3.8%, cap ₹1,250/mo
Excluded categoriesfuel, rentfuel, rent, utilities, insurance, educationfuel, rent, utilities, insurance, education
Caps hit for your spendNoneNoneNone
Milestones
  • ◻︎ ₹1,500 flight voucher on ₹1.5L quarterly spend
  • ◻︎ ₹5,000 Marriott/Myntra/M&S voucher at ₹5L
  • ◻︎ Another ₹5,000 voucher at ₹7.5L
  • ◻︎ ₹7,000 Yatra/Pantaloons voucher at ₹5L
None
UPI rewards (RuPay)Not UPI-enabledNot UPI-enabledNot UPI-enabled
Fees & first year
Joining fee₹2,500 + GST₹2,999 + GST₹2,499 + GST
Fee waiverOn ₹4,00,000 annual spendOn ₹3,00,000 annual spendOn ₹1,50,000 annual spend
Renewal benefitNoneNoneNone
Welcome benefit (first year only)₹2,500 gift voucher on joining-fee payment
≈ ₹2,250		₹3,000 e-gift voucher on fee payment
≈ ₹2,700		10,000 RP on ₹50,000 spend in 60 days
≈ ₹2,500
First-year value (separate)₹3,526₹2,635₹6,238 BEST
Travel
Domestic lounge entitlement12 per year2 per quarter1 per quarter
International lounge entitlement6 per year4 per yearNone
Lounge conditionNoneNoneNone
Forex markup2% BEST3.5%2% BEST
Redemption & simplicity
Reward currencyReward Points · ₹0.5/unitSBI Reward Points · ₹0.25/unitBOBCARD Reward Points · ₹0.25/unit
How to redeem
Details1 RP = ₹0.50 on SmartBuy flights/hotels; ₹0.35 vouchers; ₹0.20 statement.
Details1 RP = ₹0.25 on vouchers/statement.
Details1 RP = ₹0.25 on statement credit / catalogue.
Redemption flexibility★★★☆☆★★★☆☆★★★☆☆
Simplicity★★★☆☆★★★☆☆★★★☆☆
Lifestyle
Benefits you asked forfuel waiverfuel waiverfuel waiver
All lifestyle perksfuel waiver, insurance cover, conciergedining program, concierge, fuel waiver, insurance coverfuel waiver, insurance cover
EligibilityIncome ₹12L+/yr or ₹1L+/month salaryIncome ₹6L+/yrIncome ₹12L+/yr
Score breakdown
Net savings rate7/100 × 55% = 3.618/100 × 55% = 9.734/100 × 55% = 18.8
Usable lounge access100/100 × 15% = 15.0100/100 × 15% = 15.0100/100 × 15% = 15.0
Redemption flexibility60/100 × 10% = 6.060/100 × 10% = 6.060/100 × 10% = 6.0
Lifestyle fit100/100 × 10% = 10.0100/100 × 10% = 10.0100/100 × 10% = 10.0
Simplicity60/100 × 5% = 3.060/100 × 5% = 3.060/100 × 5% = 3.0
Fee safety49/100 × 5% = 2.485/100 × 5% = 4.3100/100 × 5% = 5.0
Sources
Official sourceHDFC Bank – Regalia GoldSBI Card – PRIMEBOBCARD – ETERNA
Last reviewed2026-09-122026-09-122026-09-12

Frequently asked questions

Which is better: Regalia Gold or SBI Card PRIME or BOBCARD ETERNA?

For the example profile, Bank of Baroda BOBCARD ETERNA scores highest (58/100, ₹6,687 recurring net savings). The answer changes with your spend mix, lounge needs and fee comfort – edit the profile on this page.

Which has the lower annual fee?

Regalia Gold: ₹2,950 incl. GST; SBI Card PRIME: ₹3,539 incl. GST; BOBCARD ETERNA: ₹2,949 incl. GST.