Side-by-side · honest numbers
HDFC Regalia Gold vs ICICI Sapphiro Credit Card vs IRCTC ICICI Bank Credit Card
Honest side-by-side comparison of HDFC Regalia Gold, ICICI Sapphiro Credit Card, IRCTC ICICI Bank 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 ICICI Sapphiro Credit Card by about ₹2,000/yr.
| Feature | HDFC Regalia Gold HDFC Bank | ICICI Sapphiro Credit Card ICICI Bank | IRCTC ICICI Bank Credit Card ICICI Bank |
|---|---|---|---|
| Annual fee | ₹2,500 | ₹3,500 | ₹0 |
| Min income (monthly) | ₹50,000 | ₹75,000 | ₹20,000 |
| Top reward rate | 4 RP/₹150 | 4 RP/₹100 | 10% reward points |
| Net annual value (moderate spend) | ₹5,556/yr | ₹3,556/yr | ₹1,063/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | ₹2,500 | ₹4,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- IRCTC ICICI Bank 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?
- IRCTC ICICI Bank Credit Card lists a minimum monthly income of ₹20,000.
- 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.
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 BankPlatinum ICICI Sapphiro Credit Card •••• •••• •••• 4242 Quick facts ICICI Sapphiro Credit Card Top reward4 RP/₹100 Annual fee₹3,500 Min income₹75,000/mo Tap to flip back ICICI Sapphiro Credit Card ICICI Bank | ICICI BankClassic IRCTC ICICI Bank Credit Card •••• •••• •••• 4242 Quick facts IRCTC ICICI Bank Credit Card Top reward10% reward points Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IRCTC ICICI Bank Credit Card ICICI Bank |
|---|---|---|---|
| Annual fee | ₹2,500 | ₹3,500 | ₹0 |
| Min income | ₹50,000 | ₹75,000 | ₹20,000 |
| Top reward rate | 4 RP/₹150 | 4 RP/₹100 | 10% reward points |
| Net value (moderate) | ₹5,556/yr | ₹3,556/yr | ₹1,063/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ₹2,500 | ₹4,000 | — |
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