HDFC Bank Regalia Gold Credit Card vs ICICI Sapphiro Credit Card

* Get Rs. 1,500 worth vouchers on quarterly spends of Rs. 1.5 lakh
* Get Rs. 5,000 worth flight vouchers on annual spends of Rs. 5 lakh and an additional voucher of Rs. 5000 on spends of Rs. 7.5 lakhs
* Avail 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital: Earn 20 Reward Points on every Rs.150  retail spends at Marks & Spencer, Myntra, Reliance Digital, Nykaa
* Earn 4 Reward Points on every Rs. 150 spent on retail spends including Insurance, Utilities and Education
* Exclusive 24/7 Concierge Services
* Avail 12 complimentary access both at domestic and international terminals
* Using Priority Pass, cardholder and an add-on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India
* Enjoy great dining benefits with the Good Food Trail program: Up to 20% savings on all restaurant bill payments via Swiggy Dineout. Offer inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done via the Swiggy App
* Get Rs. 1,500 worth vouchers from Marriott, Myntra, Marks & Spencer or Reliance Digital when you spend Rs. 1.5 Lakhs in every calendar quarter
* In an anniversary year (12 billing cycles), spend Rs. 4 Lakhs to get Renewal Fee waived for next renewal year
* You can convert big spends into EMI after purchase
* HDFC Bank Regalia Gold Credit Card is enabled for contactless payments
* Accidental air death cover worth Rs. 1 Crore
* Emergency overseas hospitalization cover up to Rs. 15 lakhs
* Credit Liability cover up to Rs. 9 Lakhs  
* Zero Lost card liability

• Get up to 20,000 PAYBACK points every anniversary year

• 4 complimentary Domestic Airport Lounge visits per quarter, courtesy of Mastercard and American Express
• 2 complimentary International Airport Lounge visits per calendar year and 2 complimentary Domestic Airport Spa visits per calendar year, under complimentary membership to Dreamfolks DragonPass Lounge Access Programme
• Enjoy up to 4 complimentary rounds of Golf every month at the Golf course of your choice based on eligible spends on your card
• Buy one movie/event ticket and get up to Rs 500 off on the second ticket, twice every month, through www.bookmyshow.com
• Minimum 15% savings on dining bills at over 2,500+ restaurants across India through Culinary Treats Programme
• Powerful Rewards Plan: You can redeem your PAYBACK Points from many options – from movie and travel vouchers to lifestyle products, mobiles, appliances and more
• Earn bonus rewards of up to 6 PAYBACK Points on every Rs. 100 spent
• Under the new Milestone Rewards program, get 4,000 PAYBACK Points on spending Rs. 4,00,000 on your card and 2,000 PAYBACK Points each time you cross Rs. 1,00,000 spend thereafter in an anniversary year; maximum of 20,000 PAYBACK Points per year
• Get 1 PAYBACK Points on every Rs. 100 spent on fuel, utilities and insurance categories
• Earn 50% more rewards on your ICICI Bank Sapphiro American Express® Credit Card
• Savings: ICICI Bank Sapphiro Credit Card can deliver savings of Rs 1,95,030 every year 
• 1% fuel surcharge waiver is available on all transactions below Rs 4,000. Fuel surcharge waiver is available on fuel purchases at all petrol pumps
• Complimentary DragonPass Member, it's world’s first all-in-one Digital Airport platform. As a member, gain access to 450 comfortable and luxurious airport lounges across 115 countries around the globe
• Gain two complimentary Airport Lounge visits outside India and two spa sessions at selected airports in India every year, through complimentary Dreamfolks DragonPass membership. While waiting in airports, discover exciting offers from shopping, restaurants to limos on DragonPass app. Annual Membership Fee, which is USD 99, for Dreamfolks DragonPass is complimentary. You only pay for the lounge visit charges for visits done over and above the complimentary accesses
• Airport Lounge Access American Express: Avail complimentary access to selected lounges at airports in India
• Mastercard: With ICICI Bank Sapphiro Mastercard Credit Card to enjoy exclusive access to premium Mastercard airport lounges in India. Four complimentary accesses to select lounges at airports in India every quarter
• Complimentary rounds of Golf every month: Get complimentary Golf Round / Lesson for every Rs. 50,000 retail spends in the previous calendar month, maximum 4 rounds every month
• American Express® ezeClick: With American Express ezeClick, shop faster, smarter and secured way via online payment solution
• American Express EPAY simplifies the process of paying utility bills
• Mastercard Privileges: The Mastercard Moments is an exclusive programme for Mastercard Cardholders. It hosts exceptional experiences to inspire and enrich the cardholders lives 

Pros

* Enjoy Revolving Credit on HDFC Bank Regalia Gold Credit Card at nominal interest rate
* Get Rs. 5,000 worth flight vouchers when spending Rs. 5 Lakhs in an anniversary year 
* Avail additional Rs. 5,000 worth flight vouchers when spending Rs. 7.5 Lakhs in an anniversary year 

Cons

* No Golf benefits
* There is a capping on grocery purchase
* Rewards are in form of vouchers

Pros

• Buy one movie/event ticket and get up to Rs 500 off on the second ticket, twice every month, through www.bookmyshow.com
• Redeem PAYBACK Points from many options – from movie and travel vouchers to lifestyle products, mobiles, appliances and more
• Complimentary Domestic Airport Spa visits

Cons

• Average Reward Rate
• High-Interest Rate

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