Which card has the lower annual fee?

Bajaj Finserv DBS Bank SuperCard has the lowest annual fee at ₹999.

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?

Bajaj Finserv DBS Bank SuperCard lists a minimum monthly income of ₹25,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

Amex Membership Rewards CC vs Bajaj Finserv DBS Bank SuperCard vs HDFC Regalia Gold

Honest side-by-side comparison of Amex Membership Rewards CC, Bajaj Finserv DBS Bank SuperCard, 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.

Amex Membership Rewards CC vs Bajaj Finserv DBS Bank SuperCard vs HDFC Regalia Gold comparison table
Feature	Amex Membership Rewards CC American Express	Bajaj Finserv DBS Bank SuperCard DBS Bank	HDFC Regalia Gold HDFC Bank
Fees & eligibility
Annual fee	₹4,500	₹999	₹2,500
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend	Waived at ₹4,00,000/yr spend
Min income	₹60,000/mo	₹25,000/mo	₹50,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹822/yr	₹180/yr	₹5,556/yr
Online shopping	—	2 pts per ₹150 spend → ₹33/mo (₹400/yr)	—
Top reward rate	2 RP/₹150	2X reward points	4 RP/₹150
Primary reward cap	No monthly cap published	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	None	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	EMI · Fuel · Rent · Wallet
Bonuses
Signup bonus	₹4,000	—	₹2,500

Frequently asked questions

Which card has the lower annual fee?: Bajaj Finserv DBS Bank SuperCard has the lowest annual fee at ₹999.
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?: Bajaj Finserv DBS Bank SuperCard lists a minimum monthly income of ₹25,000.
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.

Card 1

Amex Membership Rewards CC

American Express

Card 2

Bajaj Finserv DBS Bank SuperCard

DBS Bank

Card 3

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	DBS BankGold Bajaj Finserv DBS Bank SuperCard •••• •••• •••• 4242 Quick facts Bajaj Finserv DBS Bank SuperCard Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Bajaj Finserv DBS Bank SuperCard DBS 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	₹999	₹2,500
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend	Waived at ₹4,00,000/yr spend
Min income	₹60,000/mo	₹25,000/mo	₹50,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹822/yr	₹180/yr	₹5,556/yr
Online shopping	—	2 pts per ₹150 spend → ₹33/mo (₹400/yr)	—
Top reward rate	2 RP/₹150	2X reward points	4 RP/₹150
Primary reward cap	No monthly cap published	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	None	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	EMI · Fuel · Rent · Wallet
Bonuses
Signup bonus	₹4,000	—	₹2,500

Amex Membership Rewards CC details →Bajaj Finserv DBS Bank SuperCard details →HDFC Regalia Gold details →

Share this comparison

https://cardhungry.com/in/en/compare/amex-mrcc-vs-bajaj-dbs-supercard-vs-hdfc-regalia-gold

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Amex Membership Rewards CC comparisons