Side-by-side · honest numbers
HDFC Regalia Gold vs ICICI Bank Emeralde Private Metal Credit Card vs IDFC FIRST Select Credit Card
Honest side-by-side comparison of HDFC Regalia Gold, ICICI Bank Emeralde Private Metal Credit Card, IDFC FIRST Select 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 IDFC FIRST Select Credit Card by about ₹3,486/yr.
| Feature | HDFC Regalia Gold HDFC Bank | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank | IDFC FIRST Select Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹2,500 | ₹12,000 | Lifetime free |
| Fee waiver threshold | Waived at ₹4,00,000/yr spend | No waiver published | Lifetime free |
| Min income | ₹50,000/mo | ₹1,00,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,556/yr | -₹8,952/yr | ₹2,070/yr |
| Travel | — | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | — |
| Top reward rate | 4 RP/₹150 | 4X reward points | 3X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) | Unlimited domestic & international lounge access · No minimum spend required for lounge access | 2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs) |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Rent |
| Bonuses | |||
| Signup bonus | ₹2,500 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST Select Credit Card 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?
- IDFC FIRST Select 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.
Customize your spend
Change spend profile or swap cards — results update live below.
HDFC Regalia Gold
HDFC Bank
ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank
IDFC FIRST Select Credit Card
IDFC FIRST Bank
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 BankMetal ICICI Bank Emeralde Private Metal Credit Card •••• •••• •••• 4242 Quick facts ICICI Bank Emeralde Private Metal Credit Card Top reward4X reward points Annual fee₹12,000 Min income₹1,00,000/mo Tap to flip back ICICI Bank Emeralde Private Metal Credit Card ICICI Bank | IDFC FIRST BankPlatinum IDFC FIRST Select Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST Select Credit Card Top reward3X reward points Annual feeLifetime Free Min income₹30,000/mo Tap to flip back IDFC FIRST Select Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹2,500 | ₹12,000 | Lifetime free |
| Fee waiver threshold | Waived at ₹4,00,000/yr spend | No waiver published | Lifetime free |
| Min income | ₹50,000/mo | ₹1,00,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,556/yr | -₹8,952/yr | ₹2,070/yr |
| Travel | — | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) | — |
| Top reward rate | 4 RP/₹150 | 4X reward points | 3X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) | Unlimited domestic & international lounge access · No minimum spend required for lounge access | 2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs) |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Rent |
| Bonuses | |||
| Signup bonus | ₹2,500 | — | — |
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https://cardhungry.com/in/en/compare/hdfc-regalia-gold-vs-icici-emeralde-vs-idfc-first-selectMore HDFC Regalia Gold comparisons
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