Skip to main content
Credit CardsComparisons

Amex Platinum Charge Card vs HDFC Regalia Gold Credit Card

A head-to-head comparison of Amex Platinum Charge Card and HDFC Regalia Gold Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

PremiumCard A

Amex Platinum Charge Card

Luxury & Concierge Services

Annual Fee
₹66,000
Reward Rate
Membership Rewards
Apply Now Read full review →
PremiumCard B

HDFC Regalia Gold Credit Card

Mid-Premium Lifestyle

Annual Fee
₹2,500
Reward Rate
5 RP per ₹200 (~1.625% effective, from May 2026)
Apply Now Read full review →

Feature comparison

FeatureAmex PlatinumHDFC Regalia
Annual Fee₹66,000 (Plus GST)₹2,500 + GST (Waived on ₹4L spend)
Reward RateMembership Rewards5 RP per ₹200 (~1.625% effective, from May 2026)
Best ForLuxury & Concierge ServicesMid-Premium Lifestyle
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAmex PlatinumHDFC Regalia
Domestic travel
International travel
Everyday spending
Airport lounge access

Quick verdict

Choose Amex Platinum Charge Card if:

  • You spend heavily on international travel
  • You spend heavily on concierge service

Choose HDFC Regalia Gold Credit Card if:

  • Lower annual fee (₹2,500 vs ₹66,000)
  • You spend heavily on everyday spending
  • You spend heavily on domestic travel

Full pros & cons

Amex Platinum Charge Card

What's good
  • Unmatched global lifestyle and lounge benefits
  • Metal card — premium physical experience
  • Fine Hotels & Resorts access with daily breakfast and upgrades
Watch out for
  • Exorbitant ₹66,000 annual fee
  • Charge card — full monthly balance payment required, no revolving credit
Apply Now

HDFC Regalia Gold Credit Card

What's good
  • 12 domestic + 6 international lounge visits per year via Priority Pass
  • Milestone rewards up to ₹16,000/year: ₹1,500 per ₹1.5L quarterly + ₹5,000 each at ₹5L and ₹7.5L annual spend
  • New Travel Edge benefit: upload boarding passes to unlock spa, Uber vouchers, ITC dining, and hotel upgrades
Watch out for
  • From May 2026, reward rate drops to 5 RP per ₹200 (1.625%) — spends under ₹200 earn zero points
  • From July 2026, domestic lounge access requires ₹60,000 quarterly spend to unlock 3 visits
  • Forex markup of 2% + GST (~2.36%) is uncompetitive for international travel
Apply Now
Browse all cards·Try the card recommender →