Highlights
- See the Difference Between ICICI Coral Credit Card HDFC Regalia Credit Card on the basis of their offers.
- Compare the Fees, Offers, and Features of both the credit cards and then choose the best one.
- Have a look at the Waiving Off Criteria of both the Cards.
In the competitive landscape of premium credit cards in India, the ICICI Coral Credit Card and HDFC Regalia Credit Card stand as two distinct offerings catering to different segments of financially savvy consumers. While both cards provide a range of attractive benefits, they differ significantly in their fee structures, reward mechanisms, and lifestyle privileges. The ICICI Coral Credit Card positions itself as an accessible premium option with a modest annual fee of Rs. 500 (plus taxes) and offers compelling entertainment benefits including monthly Buy-1-Get-1 movie ticket deals through BookMyShow and INOX. In contrast, the HDFC Regalia Credit Card commands a higher annual fee of Rs. 2,500 (plus taxes) but compensates with superior rewards (4 points per Rs. 150 spent), complimentary Zomato Gold membership, and significantly more generous airport lounge access with up to 12 visits annually compared to Coral's quarterly allowance. This article analyzes how these two reputed credit cards stack up against each other, helping potential applicants determine which card better aligns with their spending patterns and lifestyle preferences.
Compare the Features of ICICI Coral Credit Card and HDFC Regalia Credit Card
| Feature | ICICI Coral Credit Card | HDFC Regalia Credit Card |
|---|---|---|
|
Joining Fee |
Rs. 500 + GST |
Rs. 2,500 + GST |
|
Annual Fee |
Rs. 500 + GST (2nd year onwards) |
Rs. 2,500 + GST |
|
Annual Fee Waiver |
Spend Rs. 1,50,000 in the previous year. |
Spend Rs. 3,00,000 in an anniversary year. |
|
Reward Points |
2 points for every Rs. 100 spent |
4 points for every Rs. 150 spent |
|
Milestone Rewards |
|
10,000 points on spending Rs. 5 lakhs in the anniversary year and additional 5,000 points on spending Rs. 8 lakhs |
|
Airport Lounge Access |
1 complimentary access to domestic airport lounges every quarter (With least spends of Rs. 75,000 in the previous quarter) |
12 complimentary access to domestic lounges and 6 international lounge access via priority pass |
|
Railway Lounge Access |
1 complimentary access per quarter |
Not available |
|
Entertainment Benefits |
25% discount up to Rs. 100 on BookMyShow and INOX (twice a month) |
Complimentary Zomato Gold membership (for 1 year) |
|
Dining Benefits |
Exclusive dining offers through Culinary Treats program |
Flat 25% off at over 2,000 partner restaurants, 1+1 on buffets at 200+ restaurants |
|
Fuel Benefits |
1% fuel surcharge waiver at HPCL pumps (Transactions up to Rs. 4,000) |
|
|
Travel Insurance |
The travel insurance provides a cover for a variety of travel related incidents in the event of international travel:
|
Air accident cover of Rs. 1 crore, emergency overseas hospitalization cover of Rs. 15 lakh, credit liability cover up to Rs. 9 lakh |
|
Foreign Currency Markup |
3.5% plus applicable taxes |
2% |
|
Welcome Benefits |
Not applicable |
Gift voucher equivalent to fee amount (Rs. 2,500), complimentary Swiggy One and MMT Black Gold membership |
Which Card Should You Choose?
Choose ICICI Coral Credit Card if:
- You’re looking for an entry-level premium card with lower fees
- You want good entertainment benefits (movie ticket discounts)
- You regularly fuel up at HPCL pumps
- You’re a moderate spender who can meet the Rs. 1.5 lakh annual spend threshold
Choose HDFC Regalia Credit Card if:
- You travel frequently and can avail the extensive lounge access perks
- You want comprehensive travel insurance coverage
- You’re a high spender who can earn the milestone rewards
- You frequently dine out and can take advantage of the dining benefits
- You can meet the higher annual fee waiver threshold
Both cards offer compelling benefits in their respective segments. Your choice should align with your spending habits, lifestyle needs, and the value you can extract from each card’s unique offerings. After choosing the credit card you want to apply for, check your CIBIL score for free on Wishfin.
FREQUENTLY ASKED QUESTIONS
1. Which card among the ICICI Coral Credit Card and HDFC Regalia Credit Card offers better value for moderate spenders?
The ICICI Coral Credit Card offers better value for moderate spenders due to its lower fee structure, reasonable spend-based fee waiver threshold of Rs. 1.5 lakhs annually, and decent rewards on everyday spending.
2. How do the reward point systems compare between the ICICI Coral Credit Card and the HDFC Regalia Credit Card?
The ICICI Coral Credit Card offers 2 reward points for every Rs. 100 spent (except fuel), while the HDFC Regalia Credit Card offers 4 points for every Rs. 150 spent, making the Regalia slightly more rewarding for general spending.
3. Do the ICICI Coral credit card and the HDFC Regalia credit card offer any entertainment benefits?
Yes, the ICICI Coral Credit Card offers a 25% discount up to Rs. 100 on BookMyShow and INOX (twice a month), while the HDFC Regalia Credit Card offers a complimentary Zomato Gold membership for 1 year.
4. Which card among the ICICI Coral credit card and the HDFC Regalia credit card is better for international transactions?
The HDFC Regalia Credit Card is better suited for international transactions due to its comprehensive travel insurance, international lounge access, and a specified foreign currency markup of 2%. The ICICI Coral’s foreign transaction charges weren’t specified in the comparison.
5. How do I redeem reward points earned on the HDFC Regalia credit card and the ICICI Coral credit card?
Both cards allow reward point redemption through their respective bank portals or mobile apps. Points can typically be redeemed for flight tickets, hotel bookings, merchandise, gift vouchers, or statement credit. The redemption value may vary between the two cards.
