Which card has the lower annual fee?

HDFC Regalia Gold has the lowest annual fee at ₹2,500.

Which card earns more on moderate spend?

HDFC Regalia Gold leads with an estimated -₹670/yr net annual value on moderate spend.

Which card has the lower income requirement?

HDFC Regalia Gold lists a minimum monthly income of ₹50,000.

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 Sapphiro Credit Card vs IDFC FIRST Ashva Credit Card

Honest side-by-side comparison of HDFC Regalia Gold, ICICI Sapphiro Credit Card, IDFC FIRST Ashva 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.

Card 1

HDFC Regalia Gold

HDFC Bank

Card 2

ICICI Sapphiro Credit Card

ICICI Bank

Card 3

IDFC FIRST Ashva Credit Card

IDFC FIRST Bank

Your adjusted comparison

Feature	HDFC Regalia Gold HDFC Bank	ICICI Sapphiro Credit Card ICICI Bank	IDFC FIRST Ashva Credit Card IDFC FIRST Bank
Fees & eligibility
Annual fee	₹2,500	₹3,500	₹2,999
Fee waiver threshold	₹4,00,000/yr	₹6,00,000/yr	No waiver published
Min income	₹50,000/mo	₹75,000/mo	₹50,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-₹670/yr	-₹1,862/yr	-₹959/yr
Top reward rate	5 RP/₹200	4 RP/₹150	5X reward points
Primary reward cap	₹15,000 eligible spend/mo	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	Up 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 MITC	International + domestic lounge (spend-linked — verify MITC) · Minimum spend required — see issuer T&Cs for current threshold	4 domestic + 2 international airport lounge visits per quarter (+ railway lounges) · Lounge gated on ₹20,000 spend in the previous calendar month
UPI rewards	Earns: Earns on eligible UPI spends via the RuPay variant · cap Per HDFC MITC	Earns: Earns on eligible UPI spends via the RuPay variant · cap Per ICICI MITC	Earns: 1 point per ₹150 on UPI (3X above ₹2,000) on the Digital RuPay companion · cap Per IDFC FIRST MITC
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Fuel · Rent · Wallet	EMI · Rent · Wallet · Insurance
Bonuses
Signup bonus	₹2,500	₹4,000	—

HDFC Regalia Gold details →ICICI Sapphiro Credit Card details →IDFC FIRST Ashva Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HDFC Regalia Gold ranks first for estimated net annual value — ahead of IDFC FIRST Ashva Credit Card by about ₹289/yr.

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 Sapphiro Credit Card vs IDFC FIRST Ashva Credit Card comparison table
Feature	HDFC Regalia Gold HDFC Bank	ICICI Sapphiro Credit Card ICICI Bank	IDFC FIRST Ashva Credit Card IDFC FIRST Bank
Fees & eligibility
Annual fee	₹2,500	₹3,500	₹2,999
Fee waiver threshold	₹4,00,000/yr	₹6,00,000/yr	No waiver published
Min income	₹50,000/mo	₹75,000/mo	₹50,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-₹670/yr	-₹1,862/yr	-₹959/yr
Top reward rate	5 RP/₹200	4 RP/₹150	5X reward points
Primary reward cap	₹15,000 eligible spend/mo	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	Up 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 MITC	International + domestic lounge (spend-linked — verify MITC) · Minimum spend required — see issuer T&Cs for current threshold	4 domestic + 2 international airport lounge visits per quarter (+ railway lounges) · Lounge gated on ₹20,000 spend in the previous calendar month
UPI rewards	Earns: Earns on eligible UPI spends via the RuPay variant · cap Per HDFC MITC	Earns: Earns on eligible UPI spends via the RuPay variant · cap Per ICICI MITC	Earns: 1 point per ₹150 on UPI (3X above ₹2,000) on the Digital RuPay companion · cap Per IDFC FIRST MITC
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Fuel · Rent · Wallet	EMI · Rent · Wallet · Insurance
Bonuses
Signup bonus	₹2,500	₹4,000	—

Frequently asked questions

Which card has the lower annual fee?: HDFC Regalia Gold has the lowest annual fee at ₹2,500.
Which card earns more on moderate spend?: HDFC Regalia Gold leads with an estimated -₹670/yr net annual value on moderate spend.
Which card has the lower income requirement?: HDFC Regalia Gold lists a minimum monthly income of ₹50,000.
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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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