Head-to-head · 🇮🇳 India
HDFC Regalia vs ICICI Sapphiro
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Regalia
VISA
Wins 7 of 10
IN
Premium
ICICI Bank
ICICI Sapphiro
VISA
Wins 1 of 10
Verdict
HDFC Regalia wins 7-1. Mid-tier travel without the Regalia Gold price tag. ICICI Sapphiro is still the right call if mid-premium with strong dining + travel mix..
Side-by-side
| Criterion | HDFC Regalia | ICICI Sapphiro |
|---|---|---|
| Annual fee | ₹2,500 | · ₹3,500 |
| Joining fee | ₹2,500 | · ₹6,500 |
| Top reward rate | 2.7% (general) | · 1% (general) |
| Base reward rate | 2.7% | · 1% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points on first 90-day spend | = 10,000 reward points worth ₹2,500 |
| Fee waiver threshold | ₹300,000 / yr | · ₹600,000 / yr |
| Min income | · ₹1,200,000 | ₹1,000,000 |
| Min credit score | 770 | · 780 |
| Editorial rating | = 4.3/5 | = 4.3/5 |
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 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 vs ICICI Sapphiro: which is better?
HDFC Regalia wins on more dimensions (7 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 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: 2,500 reward points on first 90-day spend. ICICI Sapphiro: 10,000 reward points worth ₹2,500.