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.
Nowadays it has become really difficult for individuals to choose the best credit card for themselves. Every credit card has unique and exclusive features and that puts the individual in the dilemma of choosing the best one. Many individuals are confused between ICICI Coral vs HDFC Regalia Credit Cards to choose one of them. Therefore, in this article, you can compare both the credit cards and choose the best card among them. You must go through all the comparison of features, fees, and existing offers on the credit cards and that would make you take a better decision.
Comparison of ICICI Coral Credit Card and HDFC Regalia Credit Card
| Basis of Difference | ICICI Coral Credit Card | HDFC Regalia Credit Card |
|---|---|---|
| Welcome Benefits | ·There are no Welcome benefits of the ICICI Coral Credit Card. | • Enjoy a Complimentary Membership of Zomato Gold as a Welcome Benefit. • Enjoy Free Dish at the partnered restaurants on every visit. • Visit the Gold Drink Partnered restaurants and get up to 2 Drinks for free. • Spend ₹75000 within 30 days of card issuance to enjoy all the welcome offers. |
| Milestone Benefits | • On achieving the transaction of more than INR 1.5 Lacs, you can waive off the renewal fees of the credit card. • Earn 2000 Payback Points on Achieving the Milestone of INR 20000. • Earn an Additional 1000 Payback Points on achieving INR 10000 every time after achieving the previous milestone. | • Achieve the Milestone of ₹5 lacs and to get 10000 reward points. • Spend ₹8 Lacs in a year and enjoy an additional 5000 reward points. |
| Lifestyle Benefits | • Enjoy Buy 1 Get 1 Free deal on the movie tickets booked from BookMyShow with a maximum up to INR 250 every month. • Enjoy Buy 1 Get 1 Free deal on the movie tickets booked from INOX with a maximum up to INR 250 every month. • A maximum of two tickets can be booked in a month. • A maximum of two tickets can be booked in a month. | • Enjoy 24X7 Concierge Service Assitance on this credit card. • Enjoy the Good Food Trail Dining Program using this credit card. |
| Earn Reward Points | • Earn 2 Payback Points on every expenditure of INR 100. • Earn 1 Payback Points on every expenditure of INR 100 done on utilities and insurance categories. • No Reward Points will be earned on the fuel transactions. | • Earn 4 Reward Points on every expenditure of INR 100. |
| Airport/Railway Lounge Access | • Enjoy One Complimentary visit to the Airport Lounges using the ICICI Coral Credit Card every quarter. • Get 1 free railway lounge access per quarter through this credit card. | • Enjoy free 12 Airport Lounge Access in a year through this credit card. • Under Priority Program enjoy 6 Complimentary visits to the Lounges outside India. • Visa Cards and Mastercard will charge an authentication fee of ₹2 and ₹25 respectively. |
| Insurance Cover | • This card doesn’t have any offer related to the insurance cover for the cardholder. | • Get an Air Accident death cover of ₹1 Crore. • Avail off Overseas Hospitalisation Cover of up to ₹15 Lacs in case of an emergency. • Insurance of Credit Liability in case of card loss of up to ₹9 Lacs. |
| Additional Benefits | • Get the Fuel Surcharge Waiver of 1% at all the HPCL refilling stations. • The maximum transaction must not exceed INR 4000. | • Enjoy a Fuel Surcharge Discount of 1% at all the refilling stations. • The minimum transaction must be of ₹400. • The Maximum transaction must be ₹5000. • No Reward Points will be earned on the fuel expenses. |
Comparison of Fee and Waiving off Criteria of both the Credit Cards
After going through the comparison it would be easy to make a one-sided call. But you also look at the fees of both the credit cards and the waiving off criteria. See the amount of transaction that you have to make in a year in order to waive off the renewal fees of the card.
| Basis of Difference | ICICI Coral Credit Card | HDFC Regalia Credit Card |
|---|---|---|
| Annual Joining Fees | ₹500 + Applicable Taxes | ₹2500 + Applicable Taxes |
| Annual Renewal Fees | ₹500 + Applicable Taxes | ₹2500 + Applicable Taxes |
| Waiving Off Criteria | Spend ₹1.5 Lacs in a Year to Waive off the Renewal fees. | Spend ₹3 Lacs in a Year to Waive off the fees. |
Conclusion
Now, you have the full comparison of ICICI Coral vs HDFC Regalia Credit Card. There is a huge difference between the fees of both the credit cards. The features are also different but they are unique in their own way. The analysis of the monthly expenditure will make it easy for you to choose the appropriate credit card for yourself.