You are comparing
ICICI Platinum Chip Credit Card
HDFC Regalia Credit Card
₹ 0
₹ 0
Lifetime free credit card
₹ 2,500
₹ 2,500
Waived off on annual spends of Rs. 3 Lakh
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NA
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NA
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2 reward points per Rs. 100 spent on retail purchases, except fuel
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1 reward point per Rs. 100 spent on utility & insurance
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Redeem reward points for products and vouchers on ICICI Bank Rewards platform
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4 reward points per Rs. 150 spent on all retail spends
NA
Up to 8 complimentary airport lounge visits within India and up to 6 lounge access per year outside India via Priority Pass
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Lifetime free credit card
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Up to 2X rewards earnings on card spends
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Dining discount offers across a wide range of restaurants
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Good reward rate across all categories
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Multiple redemption options
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Complimentary lounge access
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Low forex mark-up fee
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Low reward rate
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No accelerated benefits on popular lifestyle-related categories, like travel, shopping, movies, etc.
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Lounge access is subject to reaching spend milestones
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Spend threshold for milestone benefits is too high
Beginners who want to build their credit score and are looking for a basic card with rewards benefits and dining discount
People who can satisfy the fee waiver and lounge access spending conditions to make the most of the card features and those who frequently dine out