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HDFC Regalia Gold vs ICICI Platinum Chip vs SBI Card ELITE

Honest side-by-side comparison of HDFC Regalia Gold, ICICI Platinum Chip, SBI Card ELITE — 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 Card ELITE by about ₹3,855/yr.

HDFC Regalia Gold vs ICICI Platinum Chip vs SBI Card ELITE comparison table
FeatureHDFC Regalia Gold

HDFC Bank

ICICI Platinum Chip

ICICI Bank

SBI Card ELITE

SBI Card

Fees & eligibility
Annual fee₹2,500Lifetime free₹4,999
Fee waiver thresholdWaived at ₹4,00,000/yr spendLifetime free₹10,00,000/yr
Min income₹50,000/mo₹18,000/mo₹60,000/mo
Secured / FD-backedStandardStandardStandard
Rewards
Net annual value (moderate)₹5,556/yr-₹142/yr₹1,701/yr
Travel——8 pts per ₹150 spend → ₹67/mo (₹800/yr)
Top reward rate4 RP/₹1501 RP/₹1505X reward points
Primary reward capNo monthly cap publishedNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessUp to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate)None8 complimentary domestic lounge visits per year · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · WalletEMI · FuelFuel · Rent · Wallet · EMI · Government
Bonuses
Signup bonus₹2,500—₹5,000

Frequently asked questions

Which card has the lower annual fee?
ICICI Platinum Chip 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?
ICICI Platinum Chip 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.

HDFC Regalia Gold

HDFC Bank

ICICI Platinum Chip

ICICI Bank

SBI Card ELITE

SBI Card

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

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HDFC Regalia Gold

HDFC Bank

ICICI BankClassic

ICICI Platinum Chip

•••• •••• •••• 4242

Quick facts

ICICI Platinum Chip

Top reward1 RP/₹150
Annual feeLifetime Free
Min income₹18,000/mo

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ICICI Platinum Chip

ICICI Bank

SBI CardPlatinum

SBI Card ELITE

•••• •••• •••• 4242

Quick facts

SBI Card ELITE

Top reward5X reward points
Annual fee₹4,999
Min income₹60,000/mo

Tap to flip back

SBI Card ELITE

SBI Card

Fees & eligibility
Annual fee₹2,500Lifetime free₹4,999
Fee waiver thresholdWaived at ₹4,00,000/yr spendLifetime free₹10,00,000/yr
Min income₹50,000/mo₹18,000/mo₹60,000/mo
Secured / FD-backedStandardStandardStandard
Rewards
Net annual value (moderate)₹5,556/yr-₹142/yr₹1,701/yr
Travel——8 pts per ₹150 spend → ₹67/mo (₹800/yr)
Top reward rate4 RP/₹1501 RP/₹1505X reward points
Primary reward capNo monthly cap publishedNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessUp to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate)None8 complimentary domestic lounge visits per year · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · WalletEMI · FuelFuel · Rent · Wallet · EMI · Government
Bonuses
Signup bonus₹2,500—₹5,000
HDFC Regalia Gold details →ICICI Platinum Chip details →SBI Card ELITE details →

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