Head-to-head · 🇮🇳 India
HDFC Regalia Gold vs ICICI Sapphiro
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
HDFC Bank
HDFC Regalia Gold
VISA
Wins 8 of 10
IN
Premium
ICICI Bank
ICICI Sapphiro
VISA
Wins 1 of 10
Verdict
HDFC Regalia Gold wins 8-1. Mid-tier travel + dining without the Diners Black price tag ICICI Sapphiro is still the right call if mid-premium with strong dining + travel mix..
Side-by-side
| Criterion | HDFC Regalia Gold | ICICI Sapphiro |
|---|---|---|
| Annual fee | ₹2,500 | · ₹3,500 |
| Joining fee | ₹2,500 | · ₹6,500 |
| Top reward rate | 25% (travel) | · 1% (general) |
| Base reward rate | 4% | · 1% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = 10,000 reward points worth ₹2,500 |
| Fee waiver threshold | ₹400,000 / yr | · ₹600,000 / yr |
| Min income | · ₹1,200,000 | ₹1,000,000 |
| Min credit score | 770 | · 780 |
| Editorial rating | 4.6/5 | · 4.3/5 |
Benefits compared
HDFC Regalia Gold
- 5x reward points on travel + dining via SmartBuy
- 4 complimentary international lounge visits per year (Priority Pass)
- 12 complimentary domestic lounge visits per year
- Annual memberships: Club Vistara Silver, MMT Black Elite
- Low forex markup: 2%
- Milestone benefits at ₹1.5L, ₹3L and ₹4L spend
ICICI Sapphiro
- 4 PAYBACK points per ₹100
- 2 complimentary international + 4 domestic lounge visits/year
- 15% off at 800+ restaurants (Culinary Treats)
- 25% off BookMyShow tickets
- Comprehensive travel insurance
FAQ
›HDFC Regalia Gold vs ICICI Sapphiro: which is better?
HDFC Regalia Gold wins on more dimensions (8 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use HDFC Regalia Gold for its best categories, ICICI Sapphiro for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Regalia Gold: 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher. ICICI Sapphiro: 10,000 reward points worth ₹2,500.