Amazon Pay ICICI Credit Card vs HDFC Regalia Gold
Detailed comparison of these two popular credit cards
Amazon Pay ICICI Credit Card
ICICI Bank
EntryVS
Winner
HDFC Regalia Gold
HDFC Bank
Premium*
Different Reward Types
Card 1 gives 💵 Cashback while Card 2 gives ⭐ Reward Points. We're showing effective cash values for fair comparison.
Annual Fee
FREE vs ₹3K
Effective Rate
(cash value)
1.0% vs 1.3%
Lounge Access
None vs 12/year
Detailed Comparison
| Feature | Amazon Pay ICICI Credit Card | HDFC Regalia Gold |
|---|---|---|
Fees & Charges | ||
| Joining Fee | FREE | ₹3K |
| Annual Fee | FREE | ₹3K |
| Fee Waiver | None | Spend ₹4L annually |
| Forex Markup | - | 2% |
Rewards | ||
| Reward Type | 💵Cashback | ⭐Reward Points |
| Effective Cash Value | 1% | 1.33% |
Lounge Access | ||
| Domestic Lounges | None | 12/year |
| Priority Pass | - | Yes |
Eligibility | ||
| Min. Income | ₹3.0L | ₹12.0L |
Amazon Pay ICICI Credit Card is Best For
Amazon Prime members
Watch Out
- • Best value only on Amazon ecosystem
HDFC Regalia Gold is Best For
Mid-tier spenders wanting lounge access
Watch Out
- • Devalued from original Regalia benefits
Our Verdict
Based on overall features and value,
HDFC Regalia Gold wins!
Score: 43vsScore: 51
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