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Amex Membership Rewards CC vs HDFC Regalia Gold

Honest side-by-side comparison of Amex Membership Rewards CC, HDFC Regalia Gold — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Amex Membership Rewards CC

American Express

HDFC Regalia Gold

HDFC Bank

Your adjusted comparison

Feature
Amex Membership Rewards CC credit card

Amex Membership Rewards CC

American Express

HDFC Regalia Gold credit card

HDFC Regalia Gold

HDFC Bank

Fees & eligibility
Annual fee₹4,500₹2,500
Fee waiver thresholdNo waiver published₹4,00,000/yr
Min income₹60,000/mo₹50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹4,194/yr-₹670/yr
Top reward rate2 RP/₹1505 RP/₹200
Primary reward capNo monthly cap published₹15,000 eligible spend/mo
Perks & restrictions
Lounge accessNoneUp to 2 lounge vouchers/quarter — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in previous calendar quarter for domestic lounge voucher; SmartBuy milestone path may differ — verify MITC
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Some small merchantsEMI · Fuel · Rent · Wallet
Bonuses
Signup bonus₹4,000₹2,500

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

Amex Membership Rewards CC details →HDFC Regalia Gold details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HDFC Regalia Gold leads Amex Membership Rewards CC by about ₹3,524/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

Amex Membership Rewards CC vs HDFC Regalia Gold comparison table
FeatureAmex Membership Rewards CC

American Express

HDFC Regalia Gold

HDFC Bank

Fees & eligibility
Annual fee₹4,500₹2,500
Fee waiver thresholdNo waiver published₹4,00,000/yr
Min income₹60,000/mo₹50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹4,194/yr-₹670/yr
Top reward rate2 RP/₹1505 RP/₹200
Primary reward capNo monthly cap published₹15,000 eligible spend/mo
Perks & restrictions
Lounge accessNoneUp to 2 lounge vouchers/quarter — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in previous calendar quarter for domestic lounge voucher; SmartBuy milestone path may differ — verify MITC
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Some small merchantsEMI · 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 -₹670/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.

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