You are comparing
American Express Membership Rewards® Credit Card
HDFC Regalia Credit Card
₹ 1,000
₹ 4,500
NA
₹ 2,500
₹ 2,500
Waived off on annual spends of Rs. 3 Lakh
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4,000 Membership Rewards Points on joining fee payment & on spending Rs. 15,000 within the first 90 days
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NA
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1 Membership Rewards Point per Rs. 50 spent, except on fuel, insurance, utilities, cash transactions & EMIs at POS
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Redeem the earned rewards for vouchers of top brands against the 18 Karat & 24 Karat Gold Collection
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4 reward points per Rs. 150 spent on all retail spends
NA
Up to 8 complimentary airport lounge visits within India and up to 6 lounge access per year outside India via Priority Pass
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Welcome benefits equivalent to the Rs. 1,000 joining fee
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Reward points redemption against multiple brand vouchers
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Exclusive access to 18 & 24 Karat Gold Collection for reward redemption
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Renewal fee waiver on annual spends of Rs. 1.5 Lakh
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Bonus reward points on first year card renewal
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Good reward rate across all categories
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Multiple redemption options
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Complimentary lounge access
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Low forex mark-up fee
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No reward benefits on fuel, insurance & utility spends
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Low base reward rate of 1 point per Rs. 50 spent
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Lounge access is subject to reaching spend milestones
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Spend threshold for milestone benefits is too high
People who want to earn rewards and prefer to redeem them against popular brands like Flipkart, Amazon, Myntra, etc.
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