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Comparison · हिन्दी

MakeMyTrip ICICI vs HDFC Regalia Gold

Both cards compared on real rupee returns for best travel credit card India: co-brand vs all-round. We ran the numbers so you can make the right call.

Last updated: · Based on current card terms
ICICI
MAKEMYTRIP
ASHOK KUMAR
VS
HDFC
REGALIA GOLD
ASHOK KUMAR
Our verdict
HDFC Regalia Gold Credit Card wins for most people
HDFC Regalia Gold wins with ₹2,180 annual benefit versus MakeMyTrip ICICI's ₹1,641. The higher rewards rate and lifestyle benefits outweigh the steeper fee, making it the better choice for this balanced spend profile.
Side-by-side comparison
MakeMyTrip ICICI Bank Credit Card HDFC Regalia Gold Credit Card ✓
Annual benefit ₹1,641 ₹2,180
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹999 + taxes (waived on ₹3,00,000/year spend) ₹2,500 + taxes (waived on ₹4,00,000/year spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 6% myCash on MMT hotel bookings; 3% on MMT flights/packages/cabs/bus; 1% on all other spends; 0.99% forex 5 reward points per ₹200 on most spends (about 1.625% at ₹0.65 a point on the Gold catalogue); 5X on Nykaa, Myntra, Marks & Spencer and Reliance Digital; no points on fuel; grocery points capped at 2,000 a month
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 8 domestic visits/year (2 per quarter, spend-conditional); 1 international visit/year 12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 0.99% 2%
Best for Frequent MakeMyTrip users wanting maximum rewards on hotel and flight bookings All-round premium card with travel perks and lifestyle rewards
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/month (salaried) ₹1L/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 750+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
MakeMyTrip ICICI Bank Credit Card
MakeMyTrip ICICI shines if you book hotels and flights exclusively through MakeMyTrip, earning 6% and 3% rewards respectively. Non-MMT users or infrequent travelers should skip it despite the lower fee.
HDFC Regalia Gold Credit Card
HDFC Regalia Gold wins across diverse spending—shopping, dining, travel, and groceries. Its 5X rewards on premium retail and consistent 1.625% baseline make it ideal for lifestyle-focused spenders with varied merchant preferences.
Who should get which card
Get MakeMyTrip ICICI Bank if you…
· Exclusive MakeMyTrip bookings for hotels and flights
· Budget-conscious travelers with lower annual spend
· Those prioritizing a lower annual fee
Get HDFC Regalia Gold if you…
· All-round spenders across shopping, dining, and travel
· Premium retail shoppers at Nykaa, Myntra, and Reliance Digital
· Those who can cross ₹4,00,000 annual spend to waive fees
· Value seekers wanting best lifestyle and travel rewards
Partner offer
IDFC FIRST Ashva Credit Card
Frequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the app
Apply now →
IDFC
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, HDFC Regalia Gold Credit Card offers better annual returns for most spend profiles.
MakeMyTrip ICICI Bank Credit Card has an annual fee of ₹999 + taxes (waived on ₹3,00,000/year spend). HDFC Regalia Gold Credit Card has an annual fee of ₹2,500 + taxes (waived on ₹4,00,000/year spend).
MakeMyTrip ICICI Bank Credit Card offers 6% myCash on MMT hotel bookings; 3% on MMT flights/packages/cabs/bus; 1% on all other spends; 0.99% forex. HDFC Regalia Gold Credit Card offers 5 reward points per ₹200 on most spends (about 1.625% at ₹0.65 a point on the Gold catalogue); 5X on Nykaa, Myntra, Marks & Spencer and Reliance Digital; no points on fuel; grocery points capped at 2,000 a month.
MakeMyTrip ICICI Bank Credit Card lounge access: 8 domestic visits/year (2 per quarter, spend-conditional); 1 international visit/year. HDFC Regalia Gold Credit Card lounge access: 12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter).
MakeMyTrip ICICI Bank Credit Card charges 0.99% forex markup. HDFC Regalia Gold Credit Card charges 2% forex markup.