Head-to-head · 🇮🇳 India
ICICI Coral vs HDFC Regalia
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Coral
VISA
Wins 5 of 10
IN
HDFC Bank
HDFC Regalia
VISA
Wins 4 of 10
Verdict
ICICI Coral wins 5-4. Entry-tier card — easy approval, decent base earning, low fee. HDFC Regalia is still the right call if mid-tier travel without the regalia gold price tag..
Side-by-side
| Criterion | ICICI Coral | HDFC Regalia |
|---|---|---|
| Annual fee | ₹500 | · ₹2,500 |
| Joining fee | ₹500 | · ₹2,500 |
| Top reward rate | · 1% (general) | 2.7% (general) |
| Base reward rate | · 1% | 2.7% |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | = 2,000 PAYBACK points on first 60-day spend | = 2,500 reward points on first 90-day spend |
| Fee waiver threshold | ₹150,000 / yr | · ₹300,000 / yr |
| Min income | ₹240,000 | · ₹1,200,000 |
| Min credit score | 700 | · 770 |
| Editorial rating | · 4.2/5 | 4.3/5 |
Benefits compared
ICICI Coral
- 2 PAYBACK points per ₹100
- 4 complimentary domestic lounge visits per year
- 15% off at 2,500+ partner restaurants (Culinary Treats)
- 1% fuel surcharge waiver
- Free movie tickets via BookMyShow (buy-1-get-1)
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
FAQ
›ICICI Coral vs HDFC Regalia: which is better?
ICICI Coral 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 ICICI Coral for its best categories, HDFC Regalia for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
ICICI Coral: 2,000 PAYBACK points on first 60-day spend. HDFC Regalia: 2,500 reward points on first 90-day spend.