Internet par jab bhi aap "Best Credit Card" search search karte hain, toh mostly travel cards (jaise HDFC Regalia Gold) ko rank 1 milta hai. Lekin India mein 80% logon ke liye cashback cards (jaise SBI Cashback) mathematically zyada profitable hote hain. Aaiye iski maths decode karte hain.
The Contenders
- HDFC Regalia Gold: ₹2,500 Fee. Earns 4 Reward Points per ₹150. (Travel focused)
- SBI Cashback: ₹999 Fee. Earns 5% Direct Cashback on all online spends. (Cash focused)
1. Real ELCV (Expected Liquidated Cash Value)
Banks aapko "Points" mein confuse karte hain. Hum isko seedha Rupee (₹) mein convert karte hain.
| Card | Marketing Claim | Real Cash Value Rate |
|---|---|---|
| HDFC Regalia Gold | 4 Pts / ₹150 | 1.33% (if used for flights) or 0.5% (cash) |
| SBI Cashback | 5% Cashback | 5.00% (Direct statement credit) |
2. The "Friction" Discount
Regalia ke points redeem karne ke liye aapko HDFC SmartBuy portal pe jana padega, flight dhoondhni padegi, aur convenience fee deni padegi. Isko "Friction" bolte hain. Research show karti hai ki 60% log points expire hone dete hain.
SBI Cashback mein koi friction nahi hai. Paisa automatically agle mahine statement mein minus ho jata hai.
3. Kaunsa Lena Chahiye? (The Verdict)
Agar aap saal mein kam se kam 2-3 baar flight se travel karte hain aur lounge access chahiye, toh HDFC Regalia Gold acha hai. Lekin agar aapka primary spend Amazon, Flipkart, Swiggy, Zomato, ya Myntra par hai, toh SBI Cashback aapko annually ₹10,000+ bacha kar dega, bina kisi mehnat ke.
Inhe Side-by-Side Compare Karein
Apna exact monthly spend daalkar live dekhein ki dono mein se kaunsa card aapko zyada net profit dega.
Live Math Comparator →