Side-by-side · honest numbers
AU Zenith Credit Card vs HDFC Regalia Gold vs ICICI Bank MakeMyTrip Credit Card
Honest side-by-side comparison of AU Zenith Credit Card, HDFC Regalia Gold, ICICI Bank MakeMyTrip Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Regalia Gold ranks first for estimated net annual value — ahead of ICICI Bank MakeMyTrip Credit Card by about ₹1,656/yr.
| Feature | AU Zenith Credit Card AU Small Finance Bank | HDFC Regalia Gold HDFC Bank | ICICI Bank MakeMyTrip Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹7,999 | ₹2,500 | ₹999 |
| Fee waiver threshold | No waiver published | Waived at ₹4,00,000/yr spend | Waived at ₹3,00,000/yr spend |
| Min income | ₹75,000/mo | ₹50,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,737/yr | ₹5,556/yr | ₹3,900/yr |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | 15 pts per ₹150 spend → ₹125/mo (₹1,500/yr) |
| Top reward rate | 3X points/₹150 | 4 RP/₹150 | 10X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic lounge access · Premium AU tier — no spend milestone stated for lounge in public benefits | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹2,500 | ₹1,500 |
Frequently asked questions
- Which card has the lower annual fee?
- ICICI Bank MakeMyTrip Credit Card has the lowest annual fee at ₹999.
- Which card earns more on moderate spend?
- HDFC Regalia Gold leads with an estimated ₹5,556/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- ICICI Bank MakeMyTrip Credit Card lists a minimum monthly income of ₹35,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
AU Zenith Credit Card
AU Small Finance Bank
HDFC Regalia Gold
HDFC Bank
ICICI Bank MakeMyTrip Credit Card
ICICI Bank
Your adjusted comparison
| Feature | AU Small Finance BankPlatinum AU Zenith Credit Card •••• •••• •••• 4242 Quick facts AU Zenith Credit Card Top reward3X points/₹150 Annual fee₹7,999 Min income₹75,000/mo Tap to flip back AU Zenith Credit Card AU Small Finance Bank | HDFC BankPlatinum HDFC Regalia Gold •••• •••• •••• 4242 Quick facts HDFC Regalia Gold Top reward4 RP/₹150 Annual fee₹2,500 Min income₹50,000/mo Tap to flip back HDFC Regalia Gold HDFC Bank | ICICI BankPlatinum ICICI Bank MakeMyTrip Credit Card •••• •••• •••• 4242 Quick facts ICICI Bank MakeMyTrip Credit Card Top reward10X reward points Annual fee₹999 Min income₹35,000/mo Tap to flip back ICICI Bank MakeMyTrip Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹7,999 | ₹2,500 | ₹999 |
| Fee waiver threshold | No waiver published | Waived at ₹4,00,000/yr spend | Waived at ₹3,00,000/yr spend |
| Min income | ₹75,000/mo | ₹50,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,737/yr | ₹5,556/yr | ₹3,900/yr |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | 15 pts per ₹150 spend → ₹125/mo (₹1,500/yr) |
| Top reward rate | 3X points/₹150 | 4 RP/₹150 | 10X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic lounge access · Premium AU tier — no spend milestone stated for lounge in public benefits | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹2,500 | ₹1,500 |
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https://cardhungry.com/in/en/compare/au-zenith-vs-hdfc-regalia-gold-vs-icici-makemytripMore AU Zenith Credit Card comparisons
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