Compare : HDFC Regalia Credit Card vs American Express® Platinum Reserveˢᵐ Credit Card

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11,000 Membership Rewards Points on 1st year’s annual fee payment & on spending Rs. 30,000 within the first 90 days

Complimentary Taj Epicure, Zomato Gold (1 year), Accor Plus Silver Tier, and EazyDiner Prime memberships

4 reward points per Rs. 150 spent on all retail spends

1 Membership Rewards Point per Rs. 50 spent, except on fuel, insurance, utilities, cash transactions & EMIs at POS

Redeem Rewards Points for 500+ options across travel, dining, accessories & more

Up to 8 complimentary airport lounge visits within India and up to 6 lounge access per year outside India via Priority Pass

12 domestic and 2 international airport lounge visits per year (3 per quarter) & Priority Pass membership

Good reward rate across all categories

Multiple redemption options

Complimentary lounge access

Low forex mark-up fee

Complimentary hotel & dining memberships

Complimentary movies/online shopping voucher worth Rs. 1,000 every month

Up to 24 complimentary golf rounds every year

12 complimentary domestic lounge visits every year

Lounge access is subject to reaching spend milestones

Spend threshold for milestone benefits is too high

High annual fee of Rs. 10,000 plus applicable taxes

Low reward rate of 1 point per Rs. 40 spent

High forex markup fee of 3.5%

Only 2 international lounge visits per year

People who can satisfy the fee waiver and lounge access spending conditions to make the most of the card features and those who frequently dine out

People looking for a premium credit card with all-round benefits