Compare : HDFC Regalia Gold Credit Card vs ICICI Bank Emeralde Credit Card

Complimentary Swiggy One & MMT Black Elite memberships

Free gift voucher worth Rs. 2,500

NA

4 reward points on every Rs. 150 spent

20 reward points on every Rs. 150 spent at Marks & Spencer, Myntra, Reliance Digital, Nykaa

1 Reward Point = Up to Rs. 0.65

4 reward points for every Rs. 100 spent on retail transactions

1 reward point for every Rs. 100 spent on utilities and insurance categories

Value of 1 reward point = Rs. 0.25

12 complimentary lounge access within India and 6 complimentary lounge access per calendar year outside India

Unlimited domestic and international airport lounge access

5X rewards on Nykaa, Myntra, Marks & Spencer, and Reliance Digital

Rewards on generally-excluded categories like insurance, utilities and education

Multiple redemption options with good redemption value

Travel benefits like Priority Pass Membership, complimentary lounge access, flight vouchers, etc.

Vouchers worth Rs. 16,000 in a year as milestone benefits

Low foreign exchange mark-up fee of 2%

Unlimited lounge access

Inclusion of utility and insurance in rewards program

Low forex markup fee

Benefit on movie tickets via BookMyShow

Accelerated earning is limited to select brands only

Low redemption value on product/voucher purchase and cash conversion

High spending threshold to make the most of milestone benefits=

Low redemption value

High spend threshold for complimentary golf benefits

Birthday benefits limited to American Express cards

Limited redemption options/No miles conversion benefit

People looking for an all-rounder credit card with inclined benefits on travel and partnered shopping brands like Marks & Spencer, Myntra, Nykaa, etc.

People who already own a rewards credit card but want other premium benefits