ICICI Sapphiro Credit Card vs HDFC Regalia Credit Card
Last Updated : March 12, 2025, 3:22 p.m.
The HDFC Regalia Credit Card and the ICICI Sapphiro credit card are highly popular credit cards in India. They offer numerous benefits across various categories. So, which card to choose is a question that frequently crops up in the minds of individuals when they should be opting for one amongst these two. To make a proper decision, you should compare both the cards based on essential parameters. Let us now read this article titled, ‘ICICI Sapphiro Credit Card Vs HDFC Regalia Credit Card’. Before you apply for any credit card , you should check your credit score as it is an important eligibility criteria impacting the approval of your credit card application. Do a free CIBIL score check on Wishfin and also view your detailed CIBIL report.
Comparison of ICICI Sapphiro and HDFC Regalia Credit Card
Both the credit cards are compared in the table below:
| Parameter | ICICI Sapphiro Credit Card | HDFC Regalia Credit Card |
|---|---|---|
Welcome benefits | Welcome vouchers worth Rs. 9000 on paying the joining fee
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Complimentary lounge access |
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Priority pass membership |
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Reward points |
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Reward points redemption |
| You can redeem your reward points on SmartBuy or netbanking at the following rates:
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Additional Benefits | 1) Dining benefits: Enjoy exclusive dining discounts with ICICI Bank’s culinary treats program. 2) Movie benefits:
3) Golf benefits:
4) Anniversary benefits:
5) 24/7 concierge services to take care of your every need right from travel to hotel reservations. | 1) Dining benefits: Get the following benefits through the exclusive complimentary dine out passport membership on spending Rs. 75000 and more every quarter.
3) Milestone benefits:
4) Get exclusive 24/7 concierge services. |
Insurance |
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Fuel surcharge waiver |
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Comparison of Fees of ICICI Sapphiro Credit Card and HDFC Regalia Credit Card
| Fees and charges | ICICI Sapphiro Credit Card | HDFC Regalia Credit Card |
|---|---|---|
Joining fees | Rs. 6500 plus applicable taxes | Rs. 2500 plus applicable taxes |
Renewal fees | Rs. 3500 plus applicable taxes | Rs. 2500 plus applicable taxes |
Renewal fee waiver | Get a renewal fee waiver on spending more than Rs. 6 lakhs in the previous year | Get a renewal fee waiver on spending more than Rs. 3 lakhs in the previous year. |
Finance charges | 3.40% per month/40.80% p.a. | 3.75% per month (45% annually) |
Cash advance fees | 2.5% of the total transaction amount (Minimum Rs. 300) | 2.5% of the withdrawn amount or a least amount of Rs. 500, whichever is higher. |
Eligibility Criteria for both the Credit Cards
| Criteria | ICICI Sapphiro Credit Card | HDFC Regalia Credit Card |
|---|---|---|
Minimum age of the applicant | 21 years | 21 years |
Maximum age of the applicant | 65 years | For salaried applicants: 60 years For self-employed applicants: 65 years |
Income | Minimum income of Rs. 80,000 for salaried applicants and a minimum income of Rs. 83,333 for self-employed applicants. | Monthly income of more than 1 lakh for salaried applicants and an annual income tax returns of more than 12 lakhs for self-employed applicants. |
Which Card to Choose?
Both the ICICI Bank Sapphiro Credit Card and HDFC Regalia are popular credit cards having their unique benefits. So, finally, the card you choose will depend on your personal preferences and spending habits. The ICICI Sapphiro credit card is one of the best travel credit cards offering great lounge access benefits, both domestic and international. The cardholder can avail 4 domestic lounge visits per quarter along with 2 annual domestic airport spa visits, and 2 international airport lounge visits per year. Further, Tata, Uber, EaseMyTrip, and Croma loyalists can enjoy welcome vouchers from these reputed brands. So, choose this card if you travel frequently and want to avail airport lounge access.
Further, if you are a frequent user of reputed brands like Tata, EaseMyTrip, Croma, Zomato, and Uber, then this card is a great pick. You can choose the HDFC Regalia credit card if you are a high spender and can maximize the rewards program of the card and its milestone perks. If you want all round benefits, then this card is worth having in your purse as it offers benefits across multiple categories such as shopping, dining, travel, etc. Last but not the least, of course, this card is great for travel and if you travel often and desire benefits like lounge access, low forex mark up fee, and air mile conversion, then this card has it all.
Conclusion
Now you know all the major differences between ICICI Sapphiro Credit Card vs HDFC Regalia Credit Card and it will be easy for you to choose one card for your daily use. You will have to go through the needs for the credit card then only you must choose one card among these two. On the other hand, both of these cards are unique and they have their own exclusive features and benefits.
Frequently Asked Questions (FAQs)
