Compare ICICI Bank Sapphiro and HDFC Bank Regalia Gold: eligible rewards, fee waivers, exclusions and lounge conditions. See dated issuer sources and a spending scenario.
Compare eligible spend, reward currency, exclusions and renewal-waiver conditions before choosing.
ICICI Bank Sapphiro is a paid card focused on shopping rewards, travel benefits and airport lounge access, charging ₹3,500 annually before GST.
Apply for ICICI Bank Sapphiro →
HDFC Bank Regalia Gold is a paid card focused on travel benefits, airport lounge access and reward points, charging ₹2,500 annually before GST.
Apply for HDFC Bank Regalia Gold →Issuer MITC link checked: ICICI Bank Sapphiro: 2026-10-29, HDFC Bank Regalia Gold: 2026-10-29 | No Sponsored Ranking. Issuer record checked: ICICI Bank Sapphiro: 2026-10-09, HDFC Bank Regalia Gold: 2026-10-11. Link checks confirm document availability, not a complete re-audit of every product rule.
CardIQ may earn a commission from a live partner application link. Compensation does not determine this comparison.
Illustration: equal eligible spending in each of 12 months / statement cycles, no refunds and no prior cap usage. Different merchant baskets may apply to each card; read both assumptions. Rewards are cash-equivalent estimates, not profit or guaranteed savings.
Reward rates, caps or redemption value are not sufficiently structured for an exact rupee estimate. This is not a zero-reward claim.
Reward rates, caps or redemption value are not sufficiently structured for an exact rupee estimate. This is not a zero-reward claim.
Excludes borrowing interest, redemption charges, extra transaction fees, vouchers, welcome gifts, lounge valuations, FX conversion and paid plans. Selecting Travel / Forex does not assume every travel booking is an overseas transaction. Waiver-eligible spend can differ from reward-eligible spend: this simplified scenario assumes all entered spend counts toward the displayed renewal threshold. Confirm the issuer's exact threshold boundary.
Not verified means unknown, not eligible or excluded. The sourced wording below distinguishes reward exclusions from waiver and lounge rules.
| Condition | ICICI Bank Sapphiro | HDFC Bank Regalia Gold |
|---|---|---|
| Joining fee + GST | ₹6,500 + GST · ₹7,670.00 incl. GST | ₹2,500 + GST · ₹2,950.00 incl. GST |
| Renewal fee + GST | ₹3,500 + GST (waived on over ₹6 lakh eligible annual spend) · ₹4,130.00 incl. GST before waiver | ₹2,500 + GST (waived on ₹4 lakh eligible annual spend) · ₹2,950.00 incl. GST before waiver |
| Annual spend for renewal waiver | Not verified / not applicable; see fee wording. | ₹4,00,000.00 |
| Base and accelerated rewards; caps | 2 points per ₹100 domestic and 4 per ₹100 international eligible spend Joining fee differs from renewal fee; reward exclusions apply. | Reward Points, milestone vouchers and travel privileges on eligible spends Reward Points, milestone vouchers and travel privileges on eligible spends; issuer caps, exclusions and redemption rules apply. |
| Domestic/international lounges and spend conditions | Domestic lounge access requires ₹75,000 spend in the preceding quarter. | Not verified in the maintained record. Check the linked issuer terms. |
| Forex markup (+ applicable GST) | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Annual interest rate | Not verified; consult the linked issuer MITC and your personal offer. | Not verified; consult the linked issuer MITC and your personal offer. |
| UPI Scan & Pay | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Utility bills & telecom | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Insurance premiums | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Government / NPS / tax payments | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Fuel & rent | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Gold / jewellery | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| School / education | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Official issuer MITC / reward documents | Issuer MITC PDF | Issuer MITC PDF |
Compare eligible spend, reward currency, exclusions and renewal-waiver conditions before choosing.
ICICI Bank Sapphiro: ₹3,500 + GST (waived on over ₹6 lakh eligible annual spend); renewal threshold not verified / not applicable. HDFC Bank Regalia Gold: ₹2,500 + GST (waived on ₹4 lakh eligible annual spend); renewal threshold ₹4,00,000.00.
ICICI Bank Sapphiro: Domestic lounge access requires ₹75,000 spend in the preceding quarter. HDFC Bank Regalia Gold: Not verified in the maintained record. Check the linked issuer terms.
The answer depends on eligible merchants, payment app, caps and reward redemption. Use a modelled scenario only where both cards have verified inputs. Unknown categories are not treated as zero rewards.
A secured or no-annual-fee card may be worth checking. These are not guaranteed or statistically high-approval offers. KYC, deposit, income and issuer conditions still apply.
No annual fee
Subject to issuer availability and approval.
Requires a fixed deposit with the issuer; approval is subject to its conditions. Resident applicants require a minimum ₹20,000 eligible fixed deposit.
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No annual fee; currently offered lifetime-free; confirm acquisition eligibility
Subject to issuer availability and approval.
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