Club Vistara SBI Card PRIME vs HDFC Regalia (2026)
HDFC Regalia vs Club Vistara SBI Card PRIME: which wins?
₹67,600ranking value a year at ₹3L a month, to Club Vistara SBI Card PRIME
Skip the duel — the board, ranked → · nothing to sign up for
The answer changes hands 2 times between ₹0.25L and ₹5L a month — this pair is decided by your spend, not by the board.
It swings with spend: Club Vistara SBI Card PRIME at ₹1L/month, Club Vistara SBI Card PRIME at ₹3L/month, Club Vistara SBI Card PRIME at ₹5L/month.
Every metric, row by row — 10 compared
Head to head
| Club Vistara SBI Card PRIME | Metric | HDFC Regalia |
|---|---|---|
| closed | Our rank | closed |
| ₹0/yr · ₹2,999 joining (one-time) | Fee — joining · annual (+ GST) | ₹2,500/yr — wins this row |
| None | Fee waiver | ₹3,00,000 spend |
| 3.5% + GST — SBI's markup table names ELITE and AURUM as the only 1.99% exceptions, so this card sits at the standard rate; dynamic and static DCC also 3.5% | Forex markup | 3.5% + GST |
| not published | APR | 3.75%/mo (45%/yr) — legacy Regalia is NOT in the 1.99% premium tier (official fees PDF) |
| 1.6% — wins this row | Headline earn rate | 1.0% |
| Air India Maharaja Points | Currency | HDFC Reward Points |
| ₹0.80/pt † | House value | ₹1.00/pt † |
| — | Welcome benefit | 2,500 reward points on fee realisation (repeats on renewal) — worth ~₹1,250 at Regalia's ₹0.50 redemption ceiling. Closed to new applications. |
| 728 of 793 | Lounge doors opened | 735 of 793 — wins this row |
† Club Vistara SBI Card PRIME: Priced at the ₹0.80 Air India Maharaja house value, because that is the programme the points now live in. SBI's card copy has never been updated from "CV Points", so a holder reading the product page and a holder reading their Maharaja Club balance are looking at the same points under two names.
† HDFC Regalia: The ₹1.00 HDFC house value belongs to the Infinia stack, not this card. Legacy Regalia points cap out at ₹0.50 (SmartBuy flights/hotels), ₹0.35 catalogue, ₹0.15 cashback — and the sole surviving transfer route, KrisFlyer at 2:1, prices to the same ₹0.50. Our 1.0% rate already bakes that haircut in. Redemption is also capped at 70% of any SmartBuy travel booking, and at 50,000 RP per calendar month for flights/hotels and again for cashback (official RP T&C).
Neither issuer publishes an income floor for these two, and the door is the same on both sides: Club Vistara SBI Card PRIME and HDFC Regalia are both closed to new applications, and only grandfathered holders still have it. How people actually get each one is on its card page.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
The ₹ face-off at ₹1L/₹3L/₹5L a month
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
It swings with spend: Club Vistara SBI Card PRIME at ₹1L/month, Club Vistara SBI Card PRIME at ₹3L/month, Club Vistara SBI Card PRIME at ₹5L/month.
Where the lead changes hands — a 20-step sweep from ₹0.25L to ₹5L/month
Where the lead changes hands
The lead changes hands at ₹0.5L and ₹0.75L a month: Club Vistara SBI Card PRIME is ahead by ₹1,200 at ₹0.25L, Club Vistara SBI Card PRIME by ₹26,500 at ₹5L.
HDFC Regalia pays a renewal bonus whatever you spend, and Club Vistara SBI Card PRIME pays nothing to stay; HDFC Regalia runs a 5.0% booster on SmartBuy flights/hotels, where Club Vistara SBI Card PRIME earns one flat rate.
Club Vistara SBI Card PRIME draws above the line, HDFC Regalia below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | Club Vistara SBI Card PRIME | HDFC Regalia | In front |
|---|---|---|---|
| ₹0.25L | ₹4,800 | ₹3,600 | Club Vistara SBI Card PRIME by ₹1,200 |
| ₹0.5L | ₹9,600 | ₹12,200 | HDFC Regalia by ₹2,600 |
| ₹0.75L | ₹24,400 | ₹18,300 | Club Vistara SBI Card PRIME by ₹6,100 |
| ₹1L | ₹29,200 | ₹21,900 | Club Vistara SBI Card PRIME by ₹7,300 |
| ₹1.25L | ₹34,000 | ₹25,500 | Club Vistara SBI Card PRIME by ₹8,500 |
| ₹1.5L | ₹38,800 | ₹29,100 | Club Vistara SBI Card PRIME by ₹9,700 |
| ₹1.75L | ₹43,600 | ₹32,700 | Club Vistara SBI Card PRIME by ₹10,900 |
| ₹2L | ₹48,400 | ₹36,300 | Club Vistara SBI Card PRIME by ₹12,100 |
| ₹2.25L | ₹53,200 | ₹39,900 | Club Vistara SBI Card PRIME by ₹13,300 |
| ₹2.5L | ₹58,000 | ₹43,500 | Club Vistara SBI Card PRIME by ₹14,500 |
| ₹2.75L | ₹62,800 | ₹47,100 | Club Vistara SBI Card PRIME by ₹15,700 |
| ₹3L | ₹67,600 | ₹50,700 | Club Vistara SBI Card PRIME by ₹16,900 |
| ₹3.25L | ₹72,400 | ₹54,300 | Club Vistara SBI Card PRIME by ₹18,100 |
| ₹3.5L | ₹77,200 | ₹57,900 | Club Vistara SBI Card PRIME by ₹19,300 |
| ₹3.75L | ₹82,000 | ₹61,500 | Club Vistara SBI Card PRIME by ₹20,500 |
| ₹4L | ₹86,800 | ₹65,100 | Club Vistara SBI Card PRIME by ₹21,700 |
| ₹4.25L | ₹91,600 | ₹68,700 | Club Vistara SBI Card PRIME by ₹22,900 |
| ₹4.5L | ₹96,400 | ₹72,300 | Club Vistara SBI Card PRIME by ₹24,100 |
| ₹4.75L | ₹1,01,200 | ₹75,900 | Club Vistara SBI Card PRIME by ₹25,300 |
| ₹5L | ₹1,06,000 | ₹79,500 | Club Vistara SBI Card PRIME by ₹26,500 |
Transfer reach — 0 vs 1 live routes
Transfer reach
0 shared routes · 0 only Club Vistara SBI Card PRIME · 1 only HDFC Regalia — the full partner lists
Only HDFC Regalia
- Singapore Airlines KrisFlyer
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for — 6 points
What to watch out for
Club Vistara SBI Card PRIME · 4 more →
- Closed to new applications — SBI's own product record sets this card unavailable online and the page carries no Apply Now button; existing holders keep it
- The four Premium Economy ticket vouchers are discontinued for every card renewing after 31 March 2025 — that is almost certainly you
- Your CV Points are Air India Maharaja Points now: Club Vistara folded into Maharaja Club on 12 November 2024 and SBI's card copy was never rewritten
HDFC Regalia · 4 more →
- 15-May-2026: earn cut from 4 RP/₹150 to 4 RP/₹200 — a 25% haircut, to an effective 1.0%
- Closed to new applications — HDFC's own page: "Sourcing of this Credit Card has been stopped"
- Points cap at ₹0.50 — half the HDFC house value, on every redemption path
The call
For the ₹1L/month spender, Club Vistara SBI Card PRIME nets ₹29,200 against ₹21,900 — a ₹7,300 gap. At ₹5L/month, Club Vistara SBI Card PRIME nets ₹1,06,000 against ₹79,500 — a ₹26,500 gap. Lounge chasers: HDFC Regalia opens 735 of 793 tracked doors to Club Vistara SBI Card PRIME's 728.
Our standing verdicts: Club Vistara SBI Card PRIME — Keep; HDFC Regalia — Downgrade. Club Vistara SBI Card PRIME takes 4 of the 6 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Common questions — 5 answered
Straight answers
Which is better, Club Vistara SBI Card PRIME or HDFC Regalia?
Club Vistara SBI Card PRIME. Club Vistara SBI Card PRIME takes 4 of the 6 rounds we can score. It swings with spend: Club Vistara SBI Card PRIME at ₹1L/month, Club Vistara SBI Card PRIME at ₹3L/month, Club Vistara SBI Card PRIME at ₹5L/month.
Club Vistara SBI Card PRIME or HDFC Regalia — which earns more at ₹3L a month?
At ₹3L a month, Club Vistara SBI Card PRIME nets ₹67,600 against ₹50,700 — a ₹16,900 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, Club Vistara SBI Card PRIME or HDFC Regalia?
HDFC Regalia — ₹2,500/yr against ₹0/yr · ₹2,999 joining (one-time). Club Vistara SBI Card PRIME waives its fee at no spend level — there is no waiver; HDFC Regalia at ₹3,00,000 of spend.
Which gets you into more airport lounges, Club Vistara SBI Card PRIME or HDFC Regalia?
Lounge chasers: HDFC Regalia opens 735 of 793 tracked doors to Club Vistara SBI Card PRIME's 728. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: Club Vistara SBI Card PRIME on 2026-08-22, HDFC Regalia on 2026-08-17. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.
Verified against SBI Card and HDFC Bank's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 18 of them, each with the day we read it
- official SBI Card product page — ₹2,999 + taxes annual fee, renewal nil, 4 points per ₹200 on all retail including fuel, 8 domestic lounge visits, 4 Priority Pass visits outside India
- official SBI's own product record behind that page — the card is flagged as not available online, which is the issuer's own evidence that it is withdrawn from sale
- official Club Vistara SBI Card PRIME terms booklet — the renewal Premium Economy voucher is discontinued where the renewal fee falls after 31 March 2025, and the ₹2,999 is waived
- official Air India Maharaja Club partner directory — the SBI–Air India co-brand is the only co-brand listed; no Club Vistara SBI entry exists
- community SBI Card's domestic lounge rules from 10 January 2026 — tiered lounge lists plus a ₹2 authorization charge and a ₹25 validation hold on every visit
- official SBI Airport Lounge Access — "Club Vistara SBI Card PRIME" is named in SET B, the 30-room roster w.e.f. 10 Jan 2026
- official SBI's MITC fee table still prints "Club Vistara SBI Card PRIME / 2,999 / 2,999" — the generic row the card-specific booklet overrides, which is why this card renews at nothing
- official HDFC Bank's Regalia product page — the banner reads "Sourcing of this Credit Card has been stopped. Existing customers of this card will continue to enjoy the benefits,"
- official HDFC Bank Key Fact Statement cum MITC, version 4.6 dated August 2026 — clause I(x) prices a Regalia point at 15 paise against the statement balance, with effect from 1 November 2025
- official "UPDATES ON YOUR CREDIT CARD REWARDS, FEES & CHARGES" — the change notice HDFC links from the Regalia page
- official Regalia Rewards Points Program T&C (official, linked from the product page) — the Annual Spends Benefit
- official Consolidated fees & charges PDF (v2.5, Mar-2025) — Regalia still listed as a live variant tier at ₹2,500 / ₹3L annual-spend waiver
- official HDFC Bank's Regalia fees & charges page — "Joining/renewal membership fee: ₹2,500 plus applicable taxes"; "Welcome benefit of 2500 reward points"
- community CardInsider review, badged "Discontinued" — ₹2,500 fee/₹3L waiver; still prints stale 4 RP/₹150, 2% forex and ₹0.20 cashback against HDFC's own docs
- community CardExpert review — 2 domestic lounge visits/quarter behind the ₹1L quarterly-spend gate (late-2023), 10,000 RP at ₹5L + 5,000 at ₹8L milestone split
- community pointsmath tier grid — only Infinia, Diners Club Black and Regalia Gold have "all 21 transfer partners available"
- community Independent second witness to the same tiering — the full transfer-partner roster belongs to "HDFC Infinia", "HDFC Diners Club Black / HDFC Diners Club Black Metal"
- community milesgoround SmartBuy table — Regalia shares the Regalia Gold/Diners Privilege bonus tier (4,000 bonus RP/mo cap)