MakeMyTrip ICICI vs. HDFC Regalia Gold Credit Card: Which One Should You Pick?

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Credit cards make life easier by offering convenience and rewards. But when choosing between the MakeMyTrip ICICI Bank Credit Card and the HDFC Bank Regalia Gold Credit Card, which is better for travelers and shoppers? Let’s break it down!

1. Joining Fee

  • MakeMyTrip ICICI: ₹999 + GST
  • HDFC Regalia Gold: ₹2,500 + GST
    MMT ICICI is more budget-friendly for beginners.

2. Welcome Benefits

  • MakeMyTrip ICICI: ₹1,000 MMT voucher + MMTBLACK Gold Tier Membership.
  • HDFC Regalia Gold: ₹2,500 gift voucher + Complimentary MMTBLACK Gold + Swiggy One Membership.
    Regalia Gold offers higher value, especially for lifestyle perks.

3. Reward System

  • MakeMyTrip ICICI:

    • 6 myCash for every ₹200 on hotels.
    • 3 myCash for flights, buses, and taxis.
    • 1 myCash for all other spends.
    • 1 myCash = ₹1.

  • HDFC Regalia Gold:

    • 4 Reward Points (RP) for every ₹150 spent on retail, utilities, etc.
    • 20 RP for every ₹150 on Myntra, Marks & Spencer, Nykaa, etc.

Choose MMT ICICI if you mostly book travel via MakeMyTrip. Regalia Gold wins for diverse spends and bonus categories.

4. Rewards Redemption

  • MakeMyTrip ICICI: Redeem myCash for MakeMyTrip bookings.
  • HDFC Regalia Gold: Redeem Reward Points for flights, hotels, products, and vouchers via Smartbuy.
    MMT ICICI has limited redemption options, while Regalia Gold is more flexible.

5. Travel Benefits

  • MakeMyTrip ICICI:

    • 8 domestic lounge visits + 1 international lounge visit annually.

  • HDFC Regalia Gold:

    • 12 domestic lounge visits + 6 international lounge visits annually.
      Frequent flyers will prefer Regalia Gold’s superior lounge access.

6. Dining/Entertainment Perks

  • MakeMyTrip ICICI: BOGO on movie tickets via BookMyShow.
  • HDFC Regalia Gold: 20% discount on dining via Swiggy Dineout.
    Movie lovers will like MMT ICICI; foodies should pick Regalia Gold.

Who Should Choose What?

  • MakeMyTrip ICICI: Best for frequent travelers using MakeMyTrip for bookings. Its reward system is tailored to travel-specific spends.
  • HDFC Regalia Gold: Ideal for high-spenders who want luxury rewards, flexible redemptions, and extensive lounge access.