Head-to-head · 🇮🇳 India
HDFC Regalia vs ICICI HPCL Coral
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Regalia
VISA
Wins 3 of 10
IN
ICICI Bank
ICICI HPCL Coral
VISA
Wins 6 of 10
Verdict
ICICI HPCL Coral wins 6-3. Fuel-heavy spenders at HPCL pumps. HDFC Regalia is still the right call if mid-tier travel without the regalia gold price tag..
Side-by-side
| Criterion | HDFC Regalia | ICICI HPCL Coral |
|---|---|---|
| Annual fee | · ₹2,500 | ₹199 |
| Joining fee | · ₹2,500 | ₹199 |
| Top reward rate | · 2.7% (general) | 5% (fuel) |
| Base reward rate | 2.7% | · 1% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points on first 90-day spend | = 2,000 PAYBACK points on first transaction |
| Fee waiver threshold | · ₹300,000 / yr | ₹50,000 / yr |
| Min income | · ₹1,200,000 | ₹250,000 |
| Min credit score | · 770 | 720 |
| Editorial rating | 4.3/5 | · 4/5 |
Benefits compared
HDFC Regalia
- 4 reward points per ₹150
- 12 domestic + 6 international lounge visits/year
- Low forex markup 2%
- Buy-1-get-1 BookMyShow tickets
- Milestone reward points at ₹1L, ₹5L
ICICI HPCL Coral
- 5% cashback on HPCL fuel
- 4% on grocery + dining
- 2.5% on utility bills via DragonPass
- 1% fuel surcharge waiver
- 2 domestic lounge visits/year
FAQ
›HDFC Regalia vs ICICI HPCL Coral: which is better?
ICICI HPCL Coral wins on more dimensions (6 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 for its best categories, ICICI HPCL Coral for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Regalia: 2,500 reward points on first 90-day spend. ICICI HPCL Coral: 2,000 PAYBACK points on first transaction.