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.

Which cards are secured (FD-backed)?

SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.

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 IRCTC ICICI Bank Credit Card vs SBI Card against Fixed Deposit

Honest side-by-side comparison of HDFC Regalia Gold, IRCTC ICICI Bank Credit Card, SBI Card against Fixed Deposit — 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 against Fixed Deposit by about ₹3,786/yr.

HDFC Regalia Gold vs IRCTC ICICI Bank Credit Card vs SBI Card against Fixed Deposit comparison table
Feature	HDFC Regalia Gold HDFC Bank	IRCTC ICICI Bank Credit Card ICICI Bank	SBI Card against Fixed Deposit SBI Card
Annual fee	₹2,500	₹0	₹0
Min income (monthly)	₹50,000	₹20,000	Not stated
Top reward rate	4 RP/₹150	10% reward points	80% of FD value
Net annual value (moderate spend)	₹5,556/yr	₹1,063/yr	₹1,770/yr
Secured / FD-backed	No	No	Yes
Signup bonus	₹2,500	—	—

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.
Which cards are secured (FD-backed)?: SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
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 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	SBI CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card
Annual fee	₹2,500	₹0	₹0
Min income	₹50,000	₹20,000	Not stated
Top reward rate	4 RP/₹150	10% reward points	80% of FD value
Net value (moderate)	₹5,556/yr	₹1,063/yr	₹1,770/yr
Secured / no bureau	Standard	Standard	FD-backed
Signup bonus	₹2,500	—	—

HDFC Regalia Gold details →IRCTC ICICI Bank Credit Card details →SBI Card against Fixed Deposit details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC Regalia Gold comparisons