# ICICI Bank Sapphiro vs HDFC Regalia Gold

ICICI Bank Sapphiro costs ₹3,500 a year and HDFC Regalia Gold ₹2,500. They differ on the forex markup, airport lounge access, transfer partners and the network.

Each row is what the bank publishes for each card, read from its own documents and dated. Nothing here ranks the cards: which one suits you turns on where you spend. Each card’s page holds every rule and its source.

- [ICICI Bank Sapphiro](https://getbrief.cards/cards/icici-sapphiro), ICICI Bank
- [HDFC Regalia Gold](https://getbrief.cards/cards/hdfc-regalia-gold), HDFC Bank

| | ICICI Bank Sapphiro | HDFC Regalia Gold |
|---|---|---|
| Annual fee | ₹3,500 + GST | ₹2,500 + GST |
| Fee waiver | Waived at ₹6,00,000 spend per card year | Waived at ₹4,00,000 spend per card year |
| Forex markup | 3.5% | 2% |
| On ₹1,00,000 spent abroad | ₹4,130 in markup and GST | ₹2,360 in markup and GST |
| Network | Visa | Mastercard |
| Everyday spend | 2 RP / ₹100 domestic | 5 RP / ₹200 from 15 May 2026 |
| Rewards in | ICICI Reward Points (entry tier), ₹0.25 a point at the bank’s baseline | HDFC Reward Points (Regalia Gold), ₹0.5 a point at the bank’s baseline |
| Transfer partners | 1 programme | 11 programmes |
| Airport lounges | 4 domestic visits a quarter · 2 international visits a year | 12 domestic visits a year · 6 international visits a year |
| Spend milestones | 1 milestone | 3 milestones |
| Applications | Open | Open |
| Last checked | 27 October 2026 | 27 October 2026 |

## How each one earns

### ICICI Bank Sapphiro

- 2 RP / ₹100 domestic · ✓ official · checked 26 October 2026
- "Other Credit Cards" tier via iShop (hotels) · 6 RP/₹100 · community-verified · checked 1 July 2026
- 4 RP / ₹100 international · ✓ official · checked 26 October 2026
- "Other Credit Cards" tier via iShop (flights/vouchers) · 3 RP/₹100 · community-verified · checked 1 July 2026
- 2 RP / ₹100 grocery and department stores, capped at ₹40,000 of spend a statement cycle (800 RP) · ✓ official · checked 26 October 2026
- 2 RP / ₹100 on transportation, capped at ₹20,000 of spend a statement cycle (400 RP) · ✓ official · checked 27 October 2026

Every rule on the ICICI Bank Sapphiro page: https://getbrief.cards/cards/icici-sapphiro

### HDFC Regalia Gold

- 5 RP / ₹200 from 15 May 2026 · ✓ official · checked 26 October 2026
- 5X on Nykaa/Myntra/M&S/Reliance Digital (cap 5K RP/mo) · ✓ official · checked 26 October 2026
- 5X via SmartBuy Instant Vouchers (Gyftr) · 25 RP/₹200, cap 4K RP/mo and 2K/day · brand vouchers capped at 3K RP/mo from about 1 Jul 2026 · ✓ official · checked 26 October 2026
- 5 RP / ₹200 on insurance, capped at 2,000 RP a month · ✓ official · checked 27 October 2026
- 5 RP / ₹200 on grocery, capped at 2,000 RP a month · ✓ official · checked 27 October 2026

Every rule on the HDFC Regalia Gold page: https://getbrief.cards/cards/hdfc-regalia-gold


## Questions

### What is the annual fee of ICICI Bank Sapphiro and HDFC Regalia Gold?

As of 27 October 2026, ICICI Bank Sapphiro: ₹3,500 + GST, waived at ₹6,00,000 spend per card year. HDFC Regalia Gold: ₹2,500 + GST, waived at ₹4,00,000 spend per card year.

### Which charges less on spend abroad, ICICI Bank Sapphiro or HDFC Regalia Gold?

As of 27 October 2026, HDFC Regalia Gold charges a 2% markup against 3.5% on ICICI Bank Sapphiro: on ₹1,00,000 spent abroad that is ₹2,360 against ₹4,130, GST included.

### Do ICICI Bank Sapphiro and HDFC Regalia Gold come with airport lounge access?

As of 27 October 2026, ICICI Bank Sapphiro: 4 domestic visits a quarter · 2 international visits a year. HDFC Regalia Gold: 12 domestic visits a year · 6 international visits a year.


## Other cards side by side

- [HDFC Regalia Gold vs HDFC Millennia](https://getbrief.cards/compare/hdfc-regalia-gold-vs-hdfc-millennia)
- [HDFC Regalia vs HDFC Regalia Gold](https://getbrief.cards/compare/hdfc-regalia-vs-hdfc-regalia-gold)
- [ICICI Coral vs ICICI Bank Sapphiro](https://getbrief.cards/compare/icici-coral-vs-icici-sapphiro)
- [ICICI Bank Sapphiro vs ICICI Bank Rubyx](https://getbrief.cards/compare/icici-sapphiro-vs-icici-rubyx)
- [HDFC Regalia Gold vs HDFC Diners Club Privilege](https://getbrief.cards/compare/hdfc-regalia-gold-vs-hdfc-diners-privilege)
- [HDFC Diners Club Black Metal vs HDFC Regalia Gold](https://getbrief.cards/compare/hdfc-diners-club-black-metal-vs-hdfc-regalia-gold)
- [Marriott Bonvoy HDFC vs HDFC Regalia Gold](https://getbrief.cards/compare/marriott-bonvoy-hdfc-vs-hdfc-regalia-gold)
- [ICICI Emeralde vs ICICI Bank Sapphiro](https://getbrief.cards/compare/icici-emeralde-vs-icici-sapphiro)
- [Scapia (Federal Bank) vs HDFC Regalia Gold](https://getbrief.cards/compare/scapia-federal-vs-hdfc-regalia-gold)

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

Canonical: https://getbrief.cards/compare/icici-sapphiro-vs-hdfc-regalia-gold