Amex Membership Rewards Card vs HDFC Regalia Gold
Detailed comparison of these two popular credit cards
Amex Membership Rewards Card
American Express
Mid-RangeVS
Winner
HDFC Regalia Gold
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 Gold |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹1K | ₹3K |
| Annual Fee | ₹5K | ₹3K |
| Fee Waiver | None | Spend ₹4L 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
HDFC Regalia Gold is Best For
Mid-tier spenders wanting lounge access
Watch Out
- • Devalued from original Regalia benefits
Our Verdict
Based on overall features and value,
HDFC Regalia Gold wins!
Score: 21vsScore: 51
Related Comparisons
Amex Membership Rewards Card vs HDFC Infinia Metal
HDFC Bank
Amex Membership Rewards Card vs HDFC Diners Club Black
HDFC Bank
Amex Membership Rewards Card vs HDFC Regalia
HDFC Bank
Amex Membership Rewards Card vs HDFC Millennia
HDFC Bank
Amex Membership Rewards Card vs HDFC Swiggy Credit Card
HDFC Bank
Amex Membership Rewards Card vs HDFC Tata Neu Infinity
HDFC Bank