Head-to-head · 🇮🇳 India
HDFC Regalia Gold vs IndusInd Iconia Amex
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
HDFC Bank
HDFC Regalia Gold
VISA
Wins 4 of 10
IN
Premium
IndusInd Bank
IndusInd Iconia Amex
AMERICAN
EXPRESS
EXPRESS
Wins 4 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 | IndusInd Iconia Amex |
|---|---|---|
| Annual fee | · ₹2,500 | No annual fee |
| Joining fee | ₹2,500 | · ₹3,500 |
| Top reward rate | · 4% (general) | 5% (shopping) |
| Base reward rate | 4% | · 1.5% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = 4,000 reward points + Yatra voucher |
| Fee waiver threshold | · ₹400,000 / yr | N/A (no fee) |
| Min income | · ₹1,200,000 | ₹600,000 |
| Min credit score | = 770 | = 770 |
| 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)
- 12 complimentary domestic lounge visits per year
- Annual memberships: Club Vistara Silver, MMT Black Elite
- Low forex markup: 2%
- Milestone benefits at ₹1.5L, ₹3L and ₹4L spend
IndusInd Iconia Amex
- 10 reward points per ₹100 on weekend dining + grocery
- 4 international + 8 domestic lounge visits/year
- Annual fee waived from year 2 (lifetime)
- 1% fuel surcharge waiver
- Buy-1-get-1 BookMyShow
FAQ
›HDFC Regalia Gold vs IndusInd Iconia Amex: which is better?
It's a true tie, pick the one whose boost categories match your spend. HDFC Regalia Gold wins on 4 criteria, IndusInd Iconia Amex on 4.
›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, IndusInd Iconia Amex 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. IndusInd Iconia Amex: 4,000 reward points + Yatra voucher.