Head-to-head · 🇮🇳 India
HDFC Regalia vs ICICI Platinum Chip
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Regalia
VISA
Wins 5 of 10
IN
ICICI Bank
ICICI Platinum Chip
VISA
Wins 4 of 10
Verdict
HDFC Regalia wins 5-4. Mid-tier travel without the Regalia Gold price tag. ICICI Platinum Chip is still the right call if lifetime free entry-tier icici card..
Side-by-side
| Criterion | HDFC Regalia | ICICI Platinum Chip |
|---|---|---|
| Annual fee | · ₹2,500 | No annual fee |
| Joining fee | · ₹2,500 | None |
| Top reward rate | 2.7% (general) | · 0.5% (general) |
| Base reward rate | 2.7% | · 0.5% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points on first 90-day spend | = No welcome bonus — fee-free for life |
| Fee waiver threshold | ₹300,000 / yr | · N/A (no fee) |
| Min income | · ₹1,200,000 | ₹200,000 |
| Min credit score | · 770 | 700 |
| Editorial rating | 4.3/5 | · 3.6/5 |
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 Platinum Chip
- 2 PAYBACK points per ₹100
- 15% off at 800+ restaurants
- 1% fuel surcharge waiver
- Lifetime free, no annual fee ever
FAQ
›HDFC Regalia vs ICICI Platinum Chip: which is better?
HDFC Regalia wins on more dimensions (5 vs 4). 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 Platinum Chip 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 Platinum Chip: No welcome bonus — fee-free for life.