HDFC Regalia Gold vs ICICI Emeralde Private Metal
Detailed comparison of these two popular credit cards
HDFC Regalia Gold
HDFC Bank
PremiumVS
Winner
ICICI Emeralde Private Metal
ICICI Bank
Super PremiumAnnual Fee
₹3K vs ₹12K
Effective Rate
(cash value)
1.3% vs 1.0%
Lounge Access
12/year vs Unlimited
Detailed Comparison
| Feature | HDFC Regalia Gold | ICICI Emeralde Private Metal |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹3K | ₹12K |
| Annual Fee | ₹3K | ₹12K |
| Fee Waiver | Spend ₹4L annually | Spend ₹10L annually |
| Forex Markup | 2% | 1.5% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1.33% | 1% |
Lounge Access | ||
| Domestic Lounges | 12/year | Unlimited |
| Priority Pass | Yes | Yes |
Eligibility | ||
| Min. Income | ₹12.0L | ₹42.0L |
HDFC Regalia Gold is Best For
Mid-tier spenders wanting lounge access
Watch Out
- • Devalued from original Regalia benefits
ICICI Emeralde Private Metal is Best For
Ultra HNI customers
View ICICI Emeralde Private Metal DetailsOur Verdict
Based on overall features and value,
ICICI Emeralde Private Metal wins!
Score: 51vsScore: 58
