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Feature	American Express American Express Membership Rewards Credit Card	HDFC Bank HDFC Regalia Gold Credit Card
Card essentials Start with pricing, network and the baseline earning rate.
Issuer	American Express	HDFC Bank
Network	Amex	Visa
Annual fee	₹4,500 + GST per year	₹2,500 + GST per year
Annual fee waiver	At ₹1,50,000 annual spending	At ₹4,00,000 annual spending
Base reward rate	1.2%	0.4%
Limits and access Check caps, eligibility and useful access benefits before deciding.
Reward caps	No general cap recorded	Maximum points per statement cycle: ₹7,500/statement cycle
RuPay credit card on UPI	Not eligible	Not eligible
Airport lounge access	No complimentary airport lounge access recorded	12 domestic airport lounge visits per year • 6 international airport lounge visits per year
Forex markup	3.5%	2%
Monthly income requirement	Approx. ₹37,500/month salaried · ₹50,000/month self-employed	Approx. ₹1,50,000/month salaried · ₹1,50,000/month self-employed
Terms verified	13 Sept 2026	14 Sept 2026
Best suited to	Consistent monthly spenders who can reliably hit ₹20,000+/month and want Amex’s Membership Rewards ecosystem.	Salaried executives and families spending ₹40,000+ monthly with regular travel needs.
Main trade-off	New applications are temporarily paused. Utilities, insurance, fuel, cash and EMI transactions do not earn points, and monthly bonuses reset every month.	GainFair uses the lowest current published statement-credit value of ₹0.15 per point by default; travel and Gold Catalogue values require the matching redemption route.
Actions	Full analysis Apply ↗	Full analysis Apply ↗

Comparison11 decision pointsScan across each row to compare like for like.	American ExpressAmerican Express Membership Rewards Credit Card Mid · Amex	HDFC BankHDFC Regalia Gold Credit Card Mid · Visa
Card essentialsStart with pricing, network and the baseline earning rate.
Issuer	American Express	HDFC Bank
Network	Amex	Visa
Annual fee	₹4,500 + GST per year	₹2,500 + GST per year
Annual fee waiver	At ₹1,50,000 annual spending	At ₹4,00,000 annual spending
Base reward rate	1.2%	0.4%
Limits and accessCheck caps, eligibility and useful access benefits before deciding.
Reward caps	No general cap recorded	Maximum points per statement cycle: ₹7,500/statement cycle
RuPay credit card on UPI	Not eligible	Not eligible
Airport lounge access	No complimentary airport lounge access recorded	12 domestic airport lounge visits per year • 6 international airport lounge visits per year
Forex markup	3.5%	2%
Monthly income requirement	Approx. ₹37,500/month salaried · ₹50,000/month self-employed	Approx. ₹1,50,000/month salaried · ₹1,50,000/month self-employed
Terms verified	13 Sept 2026	14 Sept 2026

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American Express Membership Rewards Credit Card

Consistent monthly spenders who can reliably hit ₹20,000+/month and want Amex’s Membership Rewards ecosystem.

Main trade-off

New applications are temporarily paused. Utilities, insurance, fuel, cash and EMI transactions do not earn points, and monthly bonuses reset every month.

Full analysis →Apply ↗

HDFC Regalia Gold Credit Card

Salaried executives and families spending ₹40,000+ monthly with regular travel needs.

Main trade-off

GainFair uses the lowest current published statement-credit value of ₹0.15 per point by default; travel and Gold Catalogue values require the matching redemption route.

Full analysis →Apply ↗