Amex Platinum Charge Card vs HDFC Regalia
Detailed comparison of these two popular credit cards
Winner
Amex Platinum Charge Card
American Express
Super PremiumVS
HDFC Regalia
HDFC Bank
PremiumAnnual Fee
₹78K vs ₹3K
Effective Rate
(cash value)
0.9% vs 1.3%
Lounge Access
Unlimited vs 12/year
Detailed Comparison
| Feature | Amex Platinum Charge Card | HDFC Regalia |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹78K | ₹3K |
| Annual Fee | ₹78K | ₹3K |
| Fee Waiver | None | Spend ₹3L annually |
| Forex Markup | 3.5% | 2% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.875% | 1.33% |
Lounge Access | ||
| Domestic Lounges | Unlimited | 12/year |
| Priority Pass | Yes | Yes |
Eligibility | ||
| Min. Income | ₹60.0L | ₹12.0L |
Amex Platinum Charge Card is Best For
Ultra luxury travelers with ₹77K to spare
Watch Out
- • No preset limit but still has shadow limit
- • Must pay full balance monthly
Our Verdict
Based on overall features and value,
Amex Platinum Charge Card wins!
Score: 57vsScore: 50
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