Credit Cards · Head to Head
HDFC Bank Regalia Gold Credit Card vs ICICI Bank Emeralde Private Metal Credit Card
Side-by-side comparison of fees, rewards, and benefits. Find out which card wins for your situation.
HDFC Bank
HDFC Bank Regalia Gold Credit Card
₹2,500/yr annual fee · 2% base rate
Pick this if you want:
- ✓Lower annual fee (₹2,500/yr vs ₹12,499/yr)
- ✓Lower income requirement — easier to get approved
ICICI Bank
ICICI Bank Emeralde Private Metal Credit Card
₹12,499/yr annual fee · 3% base rate
Pick this if you want:
- ✓Higher top reward rate (18% on Travel)
- ✓Higher base reward rate (3% vs 2%)
Full Comparison
HDFC Bank Regalia Gold Credit Card vs ICICI Bank Emeralde Private Metal Credit Card — FAQs
Which is better — HDFC Bank Regalia Gold Credit Card or ICICI Bank Emeralde Private Metal Credit Card?
It depends on your spending pattern. HDFC Bank Regalia Gold Credit Card is better if: lower annual fee (₹2,500/yr vs ₹12,499/yr). ICICI Bank Emeralde Private Metal Credit Card is better if: higher top reward rate (18% on travel). Use the SingleVerdict finder to get a personalised answer based on your exact income, spending, and goals.
What is the annual fee difference between HDFC Bank Regalia Gold Credit Card and ICICI Bank Emeralde Private Metal Credit Card?
HDFC Bank Regalia Gold Credit Card has an annual fee of ₹2,500/yr, waivable if Spend ₹4L/year. ICICI Bank Emeralde Private Metal Credit Card has an annual fee of ₹12,499/yr, waivable if Spend 10 lakh in the previous year to get annual fee reversed.
Which card has better rewards — HDFC Bank Regalia Gold Credit Card or ICICI Bank Emeralde Private Metal Credit Card?
HDFC Bank Regalia Gold Credit Card earns 2% base reward rate and up to 5% on Shopping. ICICI Bank Emeralde Private Metal Credit Card earns 3% base reward rate and up to 18% on Travel. Pick the card whose bonus category matches where you spend the most.
Which card is easier to get approved for?
HDFC Bank Regalia Gold Credit Card requires a minimum monthly income of ₹1,00,000. ICICI Bank Emeralde Private Metal Credit Card requires ₹2,91,666 and CIBIL score of 800+. HDFC Bank Regalia Gold Credit Card has a lower income threshold and may be easier to qualify for.
Still not sure which one to pick?
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Get My Personalised Verdict →Information on this page is gathered from public sources and card issuers' official websites. Fees and rates may change — verify on the issuer website before applying. SingleVerdict may earn a referral fee if you apply through our links.