Amazon Pay ICICI vs HDFC Regalia Gold
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Amazon Pay ICICI wins 5-4. Heavy Amazon shoppers — best free card in India HDFC Regalia Gold is still the right call if mid-tier travel + dining without the diners black price tag.
Side-by-side
| Criterion | Amazon Pay ICICI | HDFC Regalia Gold |
|---|---|---|
| Annual fee | No annual fee | · ₹2,500 |
| Joining fee | None | · ₹2,500 |
| Top reward rate | · 5% (shopping) | 25% (travel) |
| Base reward rate | · 1% | 4% |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | = ₹500 Amazon Pay balance on first transaction | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher |
| Fee waiver threshold | · N/A (no fee) | ₹400,000 / yr |
| Min income | ₹300,000 | · ₹1,200,000 |
| Min credit score | 720 | · 770 |
| Editorial rating | 4.7/5 | · 4.6/5 |
Benefits compared
Amazon Pay ICICI
- 5% cashback on Amazon for Prime members (3% non-Prime)
- 2% cashback on 100+ Amazon Pay merchants (Swiggy, BigBasket, MakeMyTrip)
- 1% cashback on every other transaction
- No annual fee, no joining fee, ever
- 1% fuel surcharge waiver
- No reward expiry, no minimum redemption
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
FAQ
›Amazon Pay ICICI vs HDFC Regalia Gold: which is better?
Amazon Pay ICICI 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 Amazon Pay ICICI for its best categories, HDFC Regalia Gold for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amazon Pay ICICI: ₹500 Amazon Pay balance on first transaction. HDFC Regalia Gold: 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher.