HDFC Business Regalia vs ICICI Manchester United Signature

Compare HDFC Business Regalia vs ICICI Manchester United Signature across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

HDFC Business Regalia leads on reward rate, while ICICI Manchester United Signature has the lowest annual fee.

Card 1

HDFC Business Regalia

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.8.2

Card 2

ICICI Manchester United Signature

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.5.2

HDFC Business Regalia - HDFC credit card

Balanced value8.2

hdfc / VISA

HDFC Business Regalia

Annual

₹2,500

Return

4%

Lounges

12

Forex

2%

Card summary

HDFC Business Regalia leans travel and lifestyle with ₹2,500 annual fee, 4% headline return potential, and 12 lounge access.

Pros

Strong benefit ceiling if you recover the ₹2,500 annual fee.
4% reward rate can outperform flat cashback for loyal users.
12 lounge access adds travel utility.

Cons

Low forex markup matters mainly if you travel internationally.
Higher ₹15,00,000 income expectation narrows eligibility.
Travel value depends on actually using lounge and trip perks.

Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details

ICICI Manchester United Signature - ICICI credit card

Balanced value5.2

icici / MASTERCARD

ICICI Manchester United Signature

Annual

₹2,499

Return

3%

Lounges

6

Forex

3.5%

Card summary

ICICI Manchester United Signature leans reward-led with ₹2,499 annual fee, 3% headline return potential, and 6 lounge access.

Pros

Strong benefit ceiling if you recover the ₹2,499 annual fee.
3% reward rate can outperform flat cashback for loyal users.
6 lounge access adds travel utility.

Cons

3.5% forex markup can reduce overseas value.
Eligibility still depends on bank policy and credit history.
Travel benefits are limited compared with premium cards.

Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details

Metric

HDFC Business Regalia

ICICI Manchester United Signature

Fees

Annual fee

₹2,500

₹2,499

Joining fee

₹2,500

₹2,499

Rewards

Cashback rate

1%

1%

Reward rate

4%

3%

Travel

Forex markup

2%

3.5%

Domestic lounges

8

4

International lounges

4

2

Benefits

Fuel waiver

Yes

Yes

Dining

Yes

Yes

Movies

No

Yes

Eligibility

Minimum income

₹15,00,000

₹6,00,000

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