Head-to-head · 🇮🇳 India
HDFC Regalia Gold vs ICICI Coral
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
HDFC Bank
HDFC Regalia Gold
VISA
Wins 5 of 10
IN
ICICI Bank
ICICI Coral
VISA
Wins 5 of 10
Verdict
It's a true tie, neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | HDFC Regalia Gold | ICICI Coral |
|---|---|---|
| Annual fee | · ₹2,500 | ₹500 |
| Joining fee | · ₹2,500 | ₹500 |
| Top reward rate | 4% (general) | · 1% (general) |
| Base reward rate | 4% | · 1% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | · N/A |
| Fee waiver threshold | · ₹400,000 / yr | ₹150,000 / yr |
| Min income | · ₹1,200,000 | ₹240,000 |
| Min credit score | · 770 | 700 |
| Editorial rating | 4.6/5 | · 4.2/5 |
Benefits compared
HDFC Regalia Gold
- 5x reward points on travel + dining via SmartBuy
- 4 complimentary international lounge visits per year (Priority Pass)
- Annual memberships: Club Vistara Silver, MMT Black Elite
- Low forex markup: 2%
- Milestone benefits at ₹1.5L, ₹3L and ₹4L spend
ICICI Coral
- 2 ICICI Bank Reward Points per ₹100 (no points on fuel)
- Milestone: 2,000 reward points at ₹2L spend, +1,000 per additional ₹1L, up to 10,000 per year
- 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)
FAQ
›HDFC Regalia Gold vs ICICI Coral: which is better?
It's a true tie, pick the one whose boost categories match your spend. HDFC Regalia Gold wins on 5 criteria, ICICI Coral on 5.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use HDFC Regalia Gold for its best categories, ICICI Coral for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Regalia Gold: 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher. ICICI Coral doesn't list a welcome bonus.