HDFC Regalia Gold vs IndusInd Iconia Amex
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
HDFC Regalia Gold wins 5-3. Mid-tier travel + dining without the Diners Black price tag IndusInd Iconia Amex is still the right call if mid-premium amex with annual-fee waiver from year 2..
Side-by-side
| Criterion | HDFC Regalia Gold | IndusInd Iconia Amex |
|---|---|---|
| Annual fee | · ₹2,500 | No annual fee |
| Joining fee | ₹2,500 | · ₹3,500 |
| Top reward rate | 25% (travel) | · 5% (shopping) |
| Base reward rate | 4% | · 1.5% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = 4,000 reward points + Yatra voucher |
| Fee waiver threshold | · ₹400,000 / yr | N/A (no fee) |
| Min income | · ₹1,200,000 | ₹600,000 |
| Min credit score | = 770 | = 770 |
| Editorial rating | 4.6/5 | · 4.2/5 |
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
IndusInd Iconia Amex
- 10 reward points per ₹100 on weekend dining + grocery
- 4 international + 8 domestic lounge visits/year
- Annual fee waived from year 2 (lifetime)
- 1% fuel surcharge waiver
- Buy-1-get-1 BookMyShow
FAQ
›HDFC Regalia Gold vs IndusInd Iconia Amex: which is better?
HDFC Regalia Gold wins on more dimensions (5 vs 3). 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, IndusInd Iconia Amex 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. IndusInd Iconia Amex: 4,000 reward points + Yatra voucher.