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?

HDFC Regalia Gold 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.

Side-by-side · honest numbers

Amex Membership Rewards CC vs HDFC Bank Infinia Credit Card vs HDFC Regalia Gold

Honest side-by-side comparison of Amex Membership Rewards CC, HDFC Bank Infinia 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.

Amex Membership Rewards CC vs HDFC Bank Infinia Credit Card vs HDFC Regalia Gold comparison table
Feature	Amex Membership Rewards CC American Express	HDFC Bank Infinia Credit Card HDFC Bank	HDFC Regalia Gold HDFC Bank
Annual fee	₹4,500	₹12,500	₹2,500
Min income (monthly)	₹60,000	₹1,00,000	₹50,000
Top reward rate	2 RP/₹150	5 RP/₹150	4 RP/₹150
Net annual value (moderate spend)	₹822/yr	-₹2,641/yr	₹5,556/yr
Secured / FD-backed	No	No	No
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?: HDFC Regalia Gold 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.

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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	HDFC BankMetal HDFC Bank Infinia Credit Card •••• •••• •••• 4242 Quick facts HDFC Bank Infinia Credit Card Top reward5 RP/₹150 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back HDFC Bank Infinia Credit Card HDFC 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
Annual fee	₹4,500	₹12,500	₹2,500
Min income	₹60,000	₹1,00,000	₹50,000
Top reward rate	2 RP/₹150	5 RP/₹150	4 RP/₹150
Net value (moderate)	₹822/yr	-₹2,641/yr	₹5,556/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	₹4,000	—	₹2,500

Amex Membership Rewards CC details →HDFC Bank Infinia Credit Card details →HDFC Regalia Gold details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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