Which card has the lower annual fee?

SBI SimplySAVE has the lowest annual fee at ₹499.

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?

SBI SimplySAVE lists a minimum monthly income of ₹18,000.

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 SBI SimplySAVE

Honest side-by-side comparison of HDFC Regalia Gold, ICICI Coral Credit Card, SBI SimplySAVE — 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 SBI SimplySAVE by about ₹75/yr.

HDFC Regalia Gold vs ICICI Coral Credit Card vs SBI SimplySAVE comparison table
Feature	HDFC Regalia Gold HDFC Bank	ICICI Coral Credit Card ICICI Bank	SBI SimplySAVE SBI Card
Annual fee	₹2,500	₹500	₹499
Min income (monthly)	₹50,000	₹30,000	₹18,000
Top reward rate	4 RP/₹150	2 RP/₹100	10 RP/₹100
Net annual value (moderate spend)	₹5,556/yr	₹90/yr	₹5,481/yr
Secured / FD-backed	No	No	No
Signup bonus	₹2,500	—	₹2,000

Frequently asked questions

Which card has the lower annual fee?: SBI SimplySAVE has the lowest annual fee at ₹499.
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?: SBI SimplySAVE lists a minimum monthly income of ₹18,000.
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	SBI CardClassic SBI SimplySAVE •••• •••• •••• 4242 Quick facts SBI SimplySAVE Top reward10 RP/₹100 Annual fee₹499 Min income₹18,000/mo Tap to flip back SBI SimplySAVE SBI Card
Annual fee	₹2,500	₹500	₹499
Min income	₹50,000	₹30,000	₹18,000
Top reward rate	4 RP/₹150	2 RP/₹100	10 RP/₹100
Net value (moderate)	₹5,556/yr	₹90/yr	₹5,481/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	₹2,500	—	₹2,000

HDFC Regalia Gold details →ICICI Coral Credit Card details →SBI SimplySAVE details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC Regalia Gold comparisons