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Comparison · हिन्दी

ICICI Sapphiro vs HDFC Regalia Gold

Both cards compared on real rupee returns for best all-round premium credit card India ICICI Sapphiro vs HDFC Regalia Gold. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
ICICI
SAPPHIRO
ASHOK KUMAR
VS
HDFC
REGALIA GOLD
ASHOK KUMAR
Our verdict
HDFC Regalia Gold Credit Card wins for most people
Card B wins with ₹2,180 annual benefit versus Card A's ₹1,024. Its lower fee and higher base rewards better match your ₹24k monthly spend pattern, delivering superior value despite both cards requiring waiver thresholds.
Side-by-side comparison
ICICI Bank Sapphiro Credit Card HDFC Regalia Gold Credit Card ✓
Annual benefit ₹1,024 ₹2,180
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹3,500 + taxes (waived on ₹4L 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 → 4 reward points per ₹100; 2X on international and dining 5 reward points per ₹200 on all spends (1.625%); 5X on Nykaa, Myntra, Marks & Spencer, Reliance Digital
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 international + unlimited domestic 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 → 3.5% 2%
Best for Mid-premium rewards and lounge access 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 → ₹9L+ per year ₹1L/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+ 750+
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When each card wins
ICICI Bank Sapphiro Credit Card
Card A suits you only if you significantly increase international travel or dining beyond current ₹5k monthly spend, where its 2X multipliers add meaningful value to offset the higher fee.
HDFC Regalia Gold Credit Card
Card B is ideal for your current spend profile. Its lower fee, consistent 1.625% rewards, and 5X multipliers on popular shopping platforms maximize benefits without requiring spending increases.
Who should get which card
Get ICICI Bank Sapphiro if you…
· Frequent international travelers with dining focus
· Those meeting ₹4L annual waiver comfortably
· Premium lounge access seekers
Get HDFC Regalia Gold if you…
· Balanced spenders across shopping, dining, and travel
· Regular Nykaa, Myntra, or electronics buyers
· Those seeking lowest net annual cost with steady 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
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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.
ICICI Bank Sapphiro Credit Card has an annual fee of ₹3,500 + taxes (waived on ₹4L spend). HDFC Regalia Gold Credit Card has an annual fee of ₹2,500 + taxes (waived on ₹4,00,000/year spend).
ICICI Bank Sapphiro Credit Card offers 4 reward points per ₹100; 2X on international and dining. HDFC Regalia Gold Credit Card offers 5 reward points per ₹200 on all spends (1.625%); 5X on Nykaa, Myntra, Marks & Spencer, Reliance Digital.
ICICI Bank Sapphiro Credit Card lounge access: 4 international + unlimited domestic. HDFC Regalia Gold Credit Card lounge access: 12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter).
ICICI Bank Sapphiro Credit Card charges 3.5% forex markup. HDFC Regalia Gold Credit Card charges 2% forex markup.