Club Vistara SBI Card PRIME vs HDFC Regalia Activ (2026)
HDFC Regalia Activ 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 — 12 compared
Head to head
| Club Vistara SBI Card PRIME | Metric | HDFC Regalia Activ |
|---|---|---|
| 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) |
| 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 | ₹250 Amazon gift voucher for activating the card within 37 days of setup — no welcome or renewal points |
| 728 of 793 | Lounge doors opened | 728 of 793 |
| not published | Income — salaried | ₹25,000+/month net |
| not published | Income — self-employed | Not published |
† 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 Activ: The ₹1.00 HDFC house value belongs to the Infinia stack, not to this card. Regalia Activ redeems at ₹0.50 on SmartBuy flights and hotels, converts to airmiles at 0.5 a point through netbanking, and falls to ₹0.35 on products and vouchers. Our 1.0% rate already bakes that ceiling in. One live disagreement between HDFC's own documents, recorded rather than settled quietly: the product page still prints cashback at ₹0.20 a point, while the August-2026 MITC says the cashback value for Regalia Activ was cut to 15 paise with effect from 1 November 2025. The MITC is the newer document and it is the one that binds.
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 ₹1,800 at ₹0.25L, Club Vistara SBI Card PRIME by ₹38,500 at ₹5L.
Club Vistara SBI Card PRIME charges ₹2,999 once at issuance and nothing to renew.
Club Vistara SBI Card PRIME draws above the line, HDFC Regalia Activ below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | Club Vistara SBI Card PRIME | HDFC Regalia Activ | In front |
|---|---|---|---|
| ₹0.25L | ₹4,800 | ₹3,000 | Club Vistara SBI Card PRIME by ₹1,800 |
| ₹0.5L | ₹9,600 | ₹11,000 | HDFC Regalia Activ by ₹1,400 |
| ₹0.75L | ₹24,400 | ₹16,500 | Club Vistara SBI Card PRIME by ₹7,900 |
| ₹1L | ₹29,200 | ₹19,500 | Club Vistara SBI Card PRIME by ₹9,700 |
| ₹1.25L | ₹34,000 | ₹22,500 | Club Vistara SBI Card PRIME by ₹11,500 |
| ₹1.5L | ₹38,800 | ₹25,500 | Club Vistara SBI Card PRIME by ₹13,300 |
| ₹1.75L | ₹43,600 | ₹28,500 | Club Vistara SBI Card PRIME by ₹15,100 |
| ₹2L | ₹48,400 | ₹31,500 | Club Vistara SBI Card PRIME by ₹16,900 |
| ₹2.25L | ₹53,200 | ₹34,500 | Club Vistara SBI Card PRIME by ₹18,700 |
| ₹2.5L | ₹58,000 | ₹37,500 | Club Vistara SBI Card PRIME by ₹20,500 |
| ₹2.75L | ₹62,800 | ₹40,500 | Club Vistara SBI Card PRIME by ₹22,300 |
| ₹3L | ₹67,600 | ₹43,500 | Club Vistara SBI Card PRIME by ₹24,100 |
| ₹3.25L | ₹72,400 | ₹46,500 | Club Vistara SBI Card PRIME by ₹25,900 |
| ₹3.5L | ₹77,200 | ₹49,500 | Club Vistara SBI Card PRIME by ₹27,700 |
| ₹3.75L | ₹82,000 | ₹52,500 | Club Vistara SBI Card PRIME by ₹29,500 |
| ₹4L | ₹86,800 | ₹55,500 | Club Vistara SBI Card PRIME by ₹31,300 |
| ₹4.25L | ₹91,600 | ₹58,500 | Club Vistara SBI Card PRIME by ₹33,100 |
| ₹4.5L | ₹96,400 | ₹61,500 | Club Vistara SBI Card PRIME by ₹34,900 |
| ₹4.75L | ₹1,01,200 | ₹64,500 | Club Vistara SBI Card PRIME by ₹36,700 |
| ₹5L | ₹1,06,000 | ₹67,500 | Club Vistara SBI Card PRIME by ₹38,500 |
Transfer reach — 0 vs 0 live routes
Transfer reach
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 Activ · 7 more →
- Closed to new applications — HDFC's own page: "Sourcing of this Credit Card has been stopped"
- 15-May-2026: earn cut from 4 RP/₹150 to 4 RP/₹200, a 25% haircut to an effective 1.0%, with no fee reduction
- Points cap at ₹0.50 — half the HDFC house value — on SmartBuy flights, hotels and the airmiles route; ₹0.35 on products and vouchers
The call
For the ₹1L/month spender, Club Vistara SBI Card PRIME nets ₹29,200 against ₹19,500 — a ₹9,700 gap. At ₹5L/month, Club Vistara SBI Card PRIME nets ₹1,06,000 against ₹67,500 — a ₹38,500 gap. Lounge chasers get no tiebreak here: both open 728 of 793 tracked doors.
Our standing verdicts: Club Vistara SBI Card PRIME — Keep; HDFC Regalia Activ — Keep. Club Vistara SBI Card PRIME takes 4 of the 5 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 Activ?
Club Vistara SBI Card PRIME. Club Vistara SBI Card PRIME takes 4 of the 5 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 Activ — which earns more at ₹3L a month?
At ₹3L a month, Club Vistara SBI Card PRIME nets ₹67,600 against ₹43,500 — a ₹24,100 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 Activ?
HDFC Regalia Activ — ₹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 Activ at ₹3,00,000 of spend.
Which gets you into more airport lounges, Club Vistara SBI Card PRIME or HDFC Regalia Activ?
Lounge chasers get no tiebreak here: both open 728 of 793 tracked doors. 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 Activ on 2026-08-15. 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 — 11 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 Activ product page — the "Sourcing of this Credit Card has been stopped" banner, the 12 + 6 lounge structure, and the redemption grid
- official "UPDATES ON YOUR CREDIT CARD REWARDS, FEES & CHARGES" — the change notice HDFC links from the Regalia Activ page, effective 15 May 2026
- official HDFC Bank personal-cards MITC, version 4.6 dated August 2026 — Regalia Activ in the swipe-at-the-lounge group, at ₹2,500 with a ₹3 lakh waiver
- community pointsmath's HDFC tier grid — only Infinia, Diners Club Black, Regalia Gold and BizPower hold the full transfer roster