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Side-by-Side Comparison|Updated March 2026

HDFC Bank Regalia Gold vs Amazon Pay ICICI Bank Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

HDFC Bank

HDFC Bank Regalia Gold

8.5/10
Annual Fee₹2,500
Base Rewards0.5333333333333334%
NetworkVisa
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ICICI Bank

Amazon Pay ICICI Bank Credit Card

9.5/10
Annual FeeFree
Base Rewards1%
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Feature-by-Feature Comparison

FeatureHDFC Bank Regalia GoldAmazon Pay ICICI Bank Credit Card
Annual Fee₹2,500Free
Joining Fee₹2,500Free
Fee Waiver Spend₹4,00,000N/A
Base Reward Rate0.5333333333333334%1%
Reward CurrencyReward PointsAmazon Pay Balance
NetworkVisaVisa
Editor Rating8.5/109.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Regalia Gold

  • 0% on Lifestyle Brands
  • 0% on SmartBuy Hotels
  • 0% on SmartBuy Flights

Amazon Pay ICICI Bank Credit Card

No accelerated rewards listed

Pros & Cons

HDFC Bank Regalia Gold

Pros

  • High reward rate of up to 13.3% on select lifestyle brands like Myntra and Nykaa.
  • Comprehensive lounge access with 12 domestic and 6 international visits annually.
  • Generous milestone benefits including up to ₹10,000 in flight vouchers per year.
  • Low foreign currency markup of 2% compared to the standard 3.5%.

Cons

  • Reward points expire after 2 years, requiring active management.
  • Base reward rate is relatively modest at 1.33% for general spends.
  • No reward points on fuel, rent, and wallet loads.

Amazon Pay ICICI Bank Credit Card

Pros

  • Unlimited 5% cashback on Amazon.in for Prime members with no upper cap.
  • Lifetime free card with zero joining and annual fees forever.
  • Rewards are automatically credited as Amazon Pay balance every month.
  • Competitive 1.99% forex markup fee for international transactions.

Cons

  • Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.
  • Lounge access is now spend-based (₹75,000 per quarter) rather than flat complimentary.
  • No rewards on fuel, rent, gold, or EMI transactions.

Our Verdict

Amazon Pay ICICI Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Regalia Gold could be the better pick if its specific category strengths match your spending habits.

Choose HDFC Bank Regalia Gold if

Offers extensive lounge access and high-value flight vouchers through milestones.

Choose Amazon Pay ICICI Bank Credit Card if

Maximum value for Prime members shopping frequently on Amazon India.

Frequently Asked Questions

Which is better: HDFC Bank Regalia Gold or Amazon Pay ICICI Bank Credit Card?
Amazon Pay ICICI Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Regalia Gold could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank Regalia Gold and Amazon Pay ICICI Bank Credit Card?
HDFC Bank Regalia Gold has an annual fee of ₹2,500, while Amazon Pay ICICI Bank Credit Card has no annual fee. HDFC Bank Regalia Gold offers a fee waiver on ₹4,00,000 annual spend.
Which card has better rewards: HDFC Bank Regalia Gold or Amazon Pay ICICI Bank Credit Card?
HDFC Bank Regalia Gold offers a base reward rate of 0.5333333333333334% with accelerated rewards on Lifestyle Brands and SmartBuy Hotels. Amazon Pay ICICI Bank Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both HDFC Bank Regalia Gold and Amazon Pay ICICI Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Regalia Gold and Amazon Pay ICICI Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Regalia Gold or Amazon Pay ICICI Bank Credit Card?
For beginners, Amazon Pay ICICI Bank Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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