Amex Platinum Charge Card vs HDFC Regalia Gold
Detailed comparison of these two popular credit cards
Winner
Amex Platinum Charge Card
American Express
Super PremiumVS
HDFC Regalia Gold
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 Gold |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹78K | ₹3K |
| Annual Fee | ₹78K | ₹3K |
| Fee Waiver | None | Spend ₹4L 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
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,
Amex Platinum Charge Card wins!
Score: 57vsScore: 51
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