Head-to-head · 🇮🇳 India
HDFC Regalia vs ICICI MMT Signature
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 MMT Signature
Wins 3 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | HDFC Regalia | ICICI MMT Signature |
|---|---|---|
| Annual fee | = ₹2,500 | = ₹2,500 |
| Joining fee | = ₹2,500 | = ₹2,500 |
| Top reward rate | · 2.7% (general) | 6% (travel) |
| Base reward rate | 2.7% | · 1.5% |
| Forex markup | 2% | · 2.5% |
| Welcome bonus | = 2,500 reward points on first 90-day spend | = ₹2,500 MMT Black holidays voucher |
| Fee waiver threshold | ₹300,000 / yr | · ₹600,000 / yr |
| Min income | · ₹1,200,000 | ₹800,000 |
| Min credit score | = 770 | = 770 |
| Editorial rating | · 4.3/5 | 4.4/5 |
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 MMT Signature
- 6% myCash on flight + hotel bookings via MMT
- 3% myCash on dining + grocery
- 1.5% on others
- 4 international + 4 domestic lounge visits/year
- MMT Black membership
FAQ
›HDFC Regalia vs ICICI MMT Signature: which is better?
It's a true tie — pick the one whose boost categories match your spend. HDFC Regalia wins on 3 criteria, ICICI MMT Signature on 3.
›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 MMT Signature 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 MMT Signature: ₹2,500 MMT Black holidays voucher.