Head-to-head · 🇮🇳 India
ICICI Coral vs HDFC Regalia
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Coral
VISA
Wins 5 of 10
IN
HDFC Bank
HDFC Regalia
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 | ICICI Coral | HDFC Regalia |
|---|---|---|
| Annual fee | ₹500 | · ₹2,500 |
| Joining fee | ₹500 | · ₹2,500 |
| Top reward rate | · 1% (general) | 2.7% (general) |
| Base reward rate | · 1% | 2.7% |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | · N/A | 2,500 reward points on first 90-day spend |
| Fee waiver threshold | ₹150,000 / yr | · ₹300,000 / yr |
| Min income | ₹240,000 | · ₹1,200,000 |
| Min credit score | 700 | · 770 |
| Editorial rating | · 4.2/5 | 4.3/5 |
Benefits compared
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)
HDFC Regalia
- 4 reward points per ₹150
- 12 domestic + 6 international lounge visits/year
- Low forex markup 2%
- Buy-1-get-1 BookMyShow tickets
- Milestone reward points at ₹1L, ₹5L
FAQ
›ICICI Coral vs HDFC Regalia: which is better?
It's a true tie, pick the one whose boost categories match your spend. ICICI Coral wins on 5 criteria, HDFC Regalia on 5.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use ICICI Coral for its best categories, HDFC Regalia for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
ICICI Coral doesn't list a welcome bonus. HDFC Regalia: 2,500 reward points on first 90-day spend.