CardHungry

Side-by-side · honest numbers

HDFC Regalia Gold vs ICICI Coral Credit Card

Honest side-by-side comparison of HDFC Regalia Gold, ICICI Coral Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

HDFC Regalia Gold

HDFC Bank

ICICI Coral Credit Card

ICICI Bank

Your adjusted comparison

Feature
HDFC Regalia Gold credit card

HDFC Regalia Gold

HDFC Bank

ICICI Coral Credit Card

ICICI Coral Credit Card

ICICI Bank

Fees & eligibility
Annual fee₹2,500₹500
Fee waiver threshold₹4,00,000/yrNo waiver published
Min income₹50,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹670/yr-₹50/yr
Top reward rate5 RP/₹2002 RP/₹100
Primary reward cap₹15,000 eligible spend/mo₹100/ticket
Perks & restrictions
Lounge accessUp to 2 lounge vouchers/quarter — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in previous calendar quarter for domestic lounge voucher; SmartBuy milestone path may differ — verify MITC4 railway lounges/year + 1 domestic airport lounge/quarter · Airport lounge requires ₹75,000 spend in the previous calendar quarter; railway lounge (4/year) has no spend gate
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · WalletEMI · Fuel · Rent
Bonuses
Signup bonus₹2,500—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

HDFC Regalia Gold details →ICICI Coral Credit Card details →

Share this comparison

https://cardhungry.com/in/en/compare/hdfc-regalia-gold-vs-icici-coral

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, ICICI Coral Credit Card leads HDFC Regalia Gold by about ₹620/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

HDFC Regalia Gold vs ICICI Coral Credit Card comparison table
FeatureHDFC Regalia Gold

HDFC Bank

ICICI Coral Credit Card

ICICI Bank

Fees & eligibility
Annual fee₹2,500₹500
Fee waiver threshold₹4,00,000/yrNo waiver published
Min income₹50,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹670/yr-₹50/yr
Top reward rate5 RP/₹2002 RP/₹100
Primary reward cap₹15,000 eligible spend/mo₹100/ticket
Perks & restrictions
Lounge accessUp to 2 lounge vouchers/quarter — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in previous calendar quarter for domestic lounge voucher; SmartBuy milestone path may differ — verify MITC4 railway lounges/year + 1 domestic airport lounge/quarter · Airport lounge requires ₹75,000 spend in the previous calendar quarter; railway lounge (4/year) has no spend gate
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · WalletEMI · Fuel · Rent
Bonuses
Signup bonus₹2,500—

Frequently asked questions

Which card has the lower annual fee?
ICICI Coral Credit Card has the lowest annual fee at ₹500.
Which card earns more on moderate spend?
ICICI Coral Credit Card leads with an estimated -₹50/yr net annual value on moderate spend.
Which card has the lower income requirement?
ICICI Coral Credit Card lists a minimum monthly income of ₹30,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

More HDFC Regalia Gold comparisons