Review published fees, rewards, caps, eligibility and benefits side by side. Return to the catalogue to change your selection.
Compare every selected card in one table.
Swipe sideways to see all 2 cards.
| Feature | HDFC Bank HDFC Regalia Gold Credit Card | American Express American Express Platinum Travel Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | American Express |
| Network | Visa | Amex |
| Annual fee | ₹2,500 + GST per year | ₹5,000 + GST per year |
| Annual fee waiver | At ₹4,00,000 annual spending | No waiver recorded |
| Base reward rate | 0.4% | 0.6% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | Maximum points per statement cycle: ₹7,500/statement cycle | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | 12 domestic airport lounge visits per year • 6 international airport lounge visits per year | 8 domestic airport lounge visits per year |
| Forex markup | 2% | 3.5% |
| Monthly income requirement | Approx. ₹1,50,000/month salaried · ₹1,50,000/month self-employed | Approx. ₹50,000/month |
| Terms verified | 14 Sept 2026 | 13 Sept 2026 |
| Best suited to | Salaried executives and families spending ₹40,000+ monthly with regular travel needs. | Households with predictable annual spend who value Membership Rewards and Taj stays. |
| 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. | New applications are temporarily paused. Reward Multiplier ends on 30 September 2026; GainFair does not count it as an ongoing earn route. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
