Amex Membership Rewards Card vs HDFC Regalia
Detailed comparison of these two popular credit cards
Amex Membership Rewards Card
American Express
Mid-RangeVS
Winner
HDFC Regalia
HDFC Bank
PremiumAnnual Fee
₹5K vs ₹3K
Effective Rate
(cash value)
0.7% vs 1.3%
Lounge Access
None vs 12/year
Detailed Comparison
| Feature | Amex Membership Rewards Card | HDFC Regalia |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹1K | ₹3K |
| Annual Fee | ₹5K | ₹3K |
| Fee Waiver | None | Spend ₹3L annually |
| Forex Markup | - | 2% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.7% | 1.33% |
Lounge Access | ||
| Domestic Lounges | None | 12/year |
| Priority Pass | - | Yes |
Eligibility | ||
| Min. Income | ₹6.0L | ₹12.0L |
Amex Membership Rewards Card is Best For
Regular spenders making 4+ transactions/month
Watch Out
- • Fuel excluded from Jun 2025
Our Verdict
Based on overall features and value,
HDFC Regalia wins!
Score: 21vsScore: 50
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