Inme aag kyun nhi laga dete?
Get your Regalia upgraded to Infinia and close the rest.
But for now:
1. Forget ICICI
2. Yes bank offers the lowest forex at 1.75% + GST = 2.065%. Indusind is 2.124%, Regalia is 2.36%.
3. Yes Bank offers some 0.6% (airmiles) on all categories (some exclusions) and 1.2% (airmiles) on Travel & Dining (5000 spend limit/statement). Will not recommend this card.
4. Indusind offers 1% per 100 bucks spent (airmiles), so net will be 1.124%.
5. Regalia offers 1.65% (airmiles) + extra 1% cashback upto 1000/month i.e. 1L spends (by enabling Global value program at 300+GST/annum). So net is -0.29%.
6. Even if you forget about airmiles for Regalia, GVP will make your net at 1.36%, slightly higher than Indusind but atleast it's purely based on cash and not airmiles.