HDFC Regalia Gold vs ICICI Amazon Pay
Side-by-side credit card comparison to help you choose the best one.
ICICI Amazon Pay
Why this card wins: Everyday Amazon Spends — 5% cashback for Amazon Prime members
| Feature | ||
|---|---|---|
| Bank | HDFC Bank | ICICI Bank |
| Card Type | Premium | Cashback |
| Annual Fee | ₹2,500 + GST | Lifetime Free |
| Joining Fee | ₹2,500 + GST | Nil |
| Rewards | 4X reward points on every ₹150 spent | 5% cashback for Amazon Prime members |
| Best For | Travel & Luxury | Everyday Amazon Spends |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.40% per month (40.80% p.a.) |
| Credit Limit | ₹2,00,000 - ₹10,00,000 | ₹25,000 - ₹3,00,000 |
| Welcome Benefit | 2500 reward points on first spend | ₹500 Amazon Pay cashback |
| Min Income | ₹60,000/month | ₹15,000/month |
| Lounge Access | 12 domestic + 6 international per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.8 | 4.9 |
| Contactless | ||
| EMI Conversion |
Key Features
HDFC Regalia Gold
Travel & Luxury
Visa • Premium
- Complimentary Club Marriott membership
- Complimentary flight tickets on spend milestones
- 12 domestic & 6 international lounge visits
- 1% fuel surcharge waiver (₹400-₹5000)
ICICI Amazon Pay
Everyday Amazon Spends
Visa • Cashback
- No joining or annual fee ever
- 3% cashback for non-prime members
- 2% cashback on flights, recharges, bills
- 1% cashback on all other payments
Verdict
Based on rating and overall value, ICICI Amazon Pay ranks highest among your selected cards. It excels at Everyday Amazon Spends and offers 5% cashback for Amazon Prime members.
Frequently asked questions
Which is better: HDFC Regalia Gold or ICICI Amazon Pay?
ICICI Amazon Pay has the higher CardKhoj rating (4.9/5) and is best for everyday amazon spends. HDFC Regalia Gold is the better fit if your priority is travel & luxury. The right choice depends on where you spend most.
Which has the lower annual fee: HDFC Regalia Gold and ICICI Amazon Pay?
ICICI Amazon Pay is cheaper to hold at Lifetime Free, compared with ₹2,500 + GST for HDFC Regalia Gold.
Do HDFC Regalia Gold and ICICI Amazon Pay offer airport lounge access?
HDFC Regalia Gold: 12 domestic + 6 international per year. ICICI Amazon Pay: no complimentary lounge access.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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