InterMiles ICICI Bank Sapphiro Credit Card vs HDFC Regalia Credit Card

• Upon joining InterMiles ICICI Bank Sapphiro Credit Card, you'll get 10,000 welcome bonus InterMiles and a complimentary discount code. As a joining benefit, you will receive a complimentary discount code worth Rs. 750
• You will receive the bonus InterMiles and the discount code worth Rs. 500 within 45 working days, post-payment of your Joining Fee
• Earn up to 10 InterMiles per Rs. 100 spent on the card
• Every year when you renew your InterMiles ICICI Bank Sapphiro Credit Card, get 5,000 bonus InterMiles
• Receive a complimentary discount code worth Rs. 500 as a renewal benefit
• You will receive the bonus InterMiles and the discount code worth Rs. 500 within 45 working days, post payment of your Annual Fee
• Avail 5% discount on Economy Class tickets when booked on Etihad Airways
• Get 10% discount on Business Class tickets booked on Etihad Airways
• Redemption Miles Back on international flights: 30%
• Complimentary DragonPass, the world’s first all-in-one Digital Airport platform. Get Two International Airport Lounge visits and Two Spa Sessions at selected airports in India every year, through complimentary DragonPass membership. The USD 99 annual membership fee for DragonPass is complimentary. You will need to pay for the lounge visit charges for visits done over and above the complimentary accesses
• Through BookMyShow, buy one ticket and get up to Rs. 500 off on the second ticket, twice every month
• Get complimentary Golf Round / Lesson for every Rs. 50,000 retail spend in the previous calendar month, maximum of up to four rounds every month
• Exclusive dining offers through ICICI Bank Culinary Treats Programme
• 1% fuel surcharge will be applicable on fuel transactions only at select fuel outlets
• American Express Connect provides wide range of special offers related to Travel, Lodging, Dining, Retail and Online Shopping
• Avail complimentary access to selected lounges at airports in India- Four complimentary airport lounge access per quarter (two each on American Express and/or Visa variant) on your InterMiles ICICI Bank Sapphiro Credit Card by spending Rs. 5,000 in a calendar quarter on each of your cards to avail of this facility in the next calendar quarter
• Accumulate a maximum of 60,000 InterMiles against your spends in each anniversary year. When this cap is reached, an InterMiles Uncapping Fee of Rs. 7,500 will be levied to the Credit Card account
• VISA Lounge Access: Get complimentary access to Airport Lounges in India- Four complimentary airport lounge access per quarter (2 each on American Express and/or Visa variant) on your InterMiles ICICI Bank Sapphiro Credit Card by spending Rs. 5,000 in a calendar quarter on each of your cards to avail of this facility in the next calendar quarter

• 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

• Redemption Miles Back on international flights: 30%
• Complimentary DragonPass, the world’s first all-in-one Digital Airport Platform
• Two International Airport Lounge visits and Two spa sessions at selected airports in India every year, through complimentary DragonPass membership

Cons

• High-interest rate
• High Joining Fees

To apply for ICICI Bank Credit Cards please click here

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