ICICI Bank Manchester United Signature Credit Card vs HDFC Regalia Credit Card

• Annual fee will get waived off if you spend more than Rs. 2,50,000 in the previous year
• Enjoy Exclusive Manchester United Experience:

The top most spender every month, across all the Cardholders from both variants, will get a signed Manchester United jersey, a match ticket and up to 10% discount on merchandise on the Manchester United online store. Top 18 spenders will get an exclusive fully paid “Manchester United Experience” with:

A. A private tour of the stadium and museum in Manchester, England

B. Opportunity to watch a part of a training session of the First Team Squad

C. A visit to the Manchester United megastore at the stadium

• Avail waiver of 1% on fuel surcharge, which is valid on a maximum spend of Rs. 4,000 per transaction at all HPCL pumps
• Visa Lounge Access: Domestic Airport Lounge Benefit- Avail 2 complimentary airport lounge accesses per quarter
• Obtain up to 5 ICICI Bank Reward Points on every Rs 100 spent on all retail purchases except fuel
• BookMyShow And Inox: Get 25% discount capped up to Rs 150 on purchase of minimum two tickets per transaction. This benefit can be availed two times in a month on BookMyShow and Inox individually

• Avail 4 Reward Points on every Rs.150 spent on all retail spends including Insurance
• Zero Lost card liability 
• Foreign Currency Markup : 3.5% on all foreign currency spends
• Enjoy Revolving Credit on the credit card at nominal interest rate
• 24/7 Concierge Services
• Complimentary Airport Lounge Access within India: The lounge access program is be based on credit card spends. Spend Rs.1 Lakh or more in a calendar quarter (Jan-Mar | Apr-June | Jul-Sept | Oct-Dec). Avail up to 2 complimentary lounge access vouchers as part of quarterly milestone benefit
• Priority Pass: Lounge access outside India using priority pass is not based on spends. Apply for Priority Pass for self and add on members once you have completed minimum 4 retail transactions. Using Priority Pass, cardholder and the add on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India. If exceeded the 6 Complimentary visits, there will be a charge of US $27 + GST per visit. Guests accompanying the primary card holder must have an Add-on credit card with their own Priority Pass
• 1% fuel surcharge waiver at fuel stations across India on minimum transaction of Rs. 400  and maximum transaction of Rs. 5000
• Enjoy dining benefits with the Good Food Trail program: Avail up to 7.5% savings on all restaurant bill payments via Swiggy Dineout (20k+ restaurants). The offer is inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done via the Swiggy App
• Milestone Benefit: Obtain Bonus 10,000 Reward Points when making spends of Rs. 5 lakhs in the anniversary year. Earn additional 5,000 Reward Points when spending Rs. 8 lakhs spends in the anniversary year
• Renewal fee waived off if spends exceeds more than Rs. 3 Lakhs in the previous year
• HDFC Bank Regalia Credit Card provides the option to convert big spends into EMI after purchase
• The credit card is enabled for contactless payments
• Accidental air death cover worth Rs. 1 Crore
• Emergency overseas hospitalization: Up to Rs. 15 lakhs
• Lost Card Liability Cover : Up to Rs 9 lakhs   

Pros

• 2 complimentary access to domestic airport lounges per quarter
• Visa Lounge Access: Domestic Airport Lounge Benefit- Avail 2 complimentary airport lounge accesses per quarter
• Obtain up to 5 ICICI Bank Reward Points on every Rs 100 spent on all retail purchases except fuel

Cons

• No Insurance Benefits
• No Golf Benefits
• No International Lounge Access

Pros

• Earn 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs
• Accidental air death cover worth Rs. 1 Crore
• Fuel Surcharge Waiver

Cons

• Slightly high Annual Fee
• No golf/coaching sessions