Which card has the lower annual fee?

RBL Bank ShopRite has a ₹0 annual fee (lifetime free or zero-fee tier).

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?

RBL Bank ShopRite lists a minimum monthly income of ₹15,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

HDFC Regalia Gold vs ICICI Coral Credit Card vs RBL Bank ShopRite

Honest side-by-side comparison of HDFC Regalia Gold, ICICI Coral Credit Card, RBL Bank ShopRite — 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 RBL Bank ShopRite by about ₹5,096/yr.

HDFC Regalia Gold vs ICICI Coral Credit Card vs RBL Bank ShopRite comparison table
Feature	HDFC Regalia Gold HDFC Bank	ICICI Coral Credit Card ICICI Bank	RBL Bank ShopRite RBL Bank
Annual fee	₹2,500	₹500	₹0
Min income (monthly)	₹50,000	₹30,000	₹15,000
Top reward rate	4 RP/₹150	2 RP/₹100	5% on first ₹1,000/mo
Net annual value (moderate spend)	₹5,556/yr	₹90/yr	₹460/yr
Secured / FD-backed	No	No	No
Signup bonus	₹2,500	—	—

Frequently asked questions

Which card has the lower annual fee?: RBL Bank ShopRite has a ₹0 annual fee (lifetime free or zero-fee tier).
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?: RBL Bank ShopRite lists a minimum monthly income of ₹15,000.
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.

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Your adjusted comparison

Feature	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 BankGold ICICI Coral Credit Card •••• •••• •••• 4242 Quick facts ICICI Coral Credit Card Top reward2 RP/₹100 Annual fee₹500 Min income₹30,000/mo Tap to flip back ICICI Coral Credit Card ICICI Bank	RBL BankClassic RBL Bank ShopRite •••• •••• •••• 4242 Quick facts RBL Bank ShopRite Top reward5% on first ₹1,000/mo Annual feeLifetime Free Min income₹15,000/mo Tap to flip back RBL Bank ShopRite RBL Bank
Annual fee	₹2,500	₹500	₹0
Min income	₹50,000	₹30,000	₹15,000
Top reward rate	4 RP/₹150	2 RP/₹100	5% on first ₹1,000/mo
Net value (moderate)	₹5,556/yr	₹90/yr	₹460/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	₹2,500	—	—

HDFC Regalia Gold details →ICICI Coral Credit Card details →RBL Bank ShopRite details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC Regalia Gold comparisons