Side-by-side · honest numbers
Amex Membership Rewards CC vs Axis Bank SELECT Credit Card vs HDFC Regalia Gold
Honest side-by-side comparison of Amex Membership Rewards CC, Axis Bank SELECT Credit Card, HDFC Regalia Gold — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Regalia Gold ranks first for estimated net annual value — ahead of Amex Membership Rewards CC by about ₹4,734/yr.
| Feature | Amex Membership Rewards CC American Express | Axis Bank SELECT Credit Card Axis Bank | HDFC Regalia Gold HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | ₹3,000 | ₹2,500 |
| Fee waiver threshold | No waiver published | Waived at ₹3,00,000/yr spend | Waived at ₹4,00,000/yr spend |
| Min income | ₹60,000/mo | ₹50,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹822/yr | -₹62/yr | ₹5,556/yr |
| Travel | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Top reward rate | 2 RP/₹150 | 2 EDGE miles/₹150 | 4 RP/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge — typically 2 visits per quarter · Minimum spend required — see issuer T&Cs for current threshold | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Some small merchants | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | ₹2,500 |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Regalia Gold has the lowest annual fee at ₹2,500.
- Which card earns more on moderate spend?
- HDFC Regalia Gold leads with an estimated ₹5,556/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank SELECT Credit Card lists a minimum monthly income of ₹50,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Amex Membership Rewards CC
American Express
Axis Bank SELECT Credit Card
Axis Bank
HDFC Regalia Gold
HDFC Bank
Your adjusted comparison
| Feature | American ExpressPlatinum Amex Membership Rewards CC •••• •••• •••• 4242 Quick facts Amex Membership Rewards CC Top reward2 RP/₹150 Annual fee₹4,500 Min income₹60,000/mo Tap to flip back Amex Membership Rewards CC American Express | Axis BankPlatinum Axis Bank SELECT Credit Card •••• •••• •••• 4242 Quick facts Axis Bank SELECT Credit Card Top reward2 EDGE miles/₹150 Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Axis Bank SELECT Credit Card Axis Bank | HDFC BankPlatinum HDFC Regalia Gold •••• •••• •••• 4242 Quick facts HDFC Regalia Gold Top reward4 RP/₹150 Annual fee₹2,500 Min income₹50,000/mo Tap to flip back HDFC Regalia Gold HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | ₹3,000 | ₹2,500 |
| Fee waiver threshold | No waiver published | Waived at ₹3,00,000/yr spend | Waived at ₹4,00,000/yr spend |
| Min income | ₹60,000/mo | ₹50,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹822/yr | -₹62/yr | ₹5,556/yr |
| Travel | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Top reward rate | 2 RP/₹150 | 2 EDGE miles/₹150 | 4 RP/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge — typically 2 visits per quarter · Minimum spend required — see issuer T&Cs for current threshold | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Some small merchants | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | ₹2,500 |
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https://cardhungry.com/in/en/compare/amex-mrcc-vs-axis-select-vs-hdfc-regalia-goldMore Amex Membership Rewards CC comparisons
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