You are comparing
HDFC Regalia Credit Card
ICICI Platinum Chip Credit Card
₹ 2,500
₹ 2,500
Waived off on annual spends of Rs. 3 Lakh
₹ 0
₹ 0
Lifetime free credit card
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NA
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NA
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4 reward points per Rs. 150 spent on all retail spends
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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
Up to 8 complimentary airport lounge visits within India and up to 6 lounge access per year outside India via Priority Pass
NA
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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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Earn up to 2X rewards on every spend
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Dining discount at partner restaurants
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Lifetime free credit card
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Lounge access is subject to reaching spend milestones
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Spend threshold for milestone benefits is too high
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Low reward rate
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No accelerated benefits for any spending category like shopping, travel, etc.
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
Beginners who want to build their credit score and are looking for a basic card with rewards benefits and dining discount