Which card has the lower annual fee?

IDFC FIRST Select Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).

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?

IDFC FIRST Select Credit Card lists a minimum monthly income of ₹30,000.

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 Regalia Gold vs IDFC FIRST Select Credit Card

Honest side-by-side comparison of Amex Membership Rewards CC, HDFC Regalia Gold, IDFC FIRST Select Credit Card — 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 IDFC FIRST Select Credit Card by about ₹3,486/yr.

Amex Membership Rewards CC vs HDFC Regalia Gold vs IDFC FIRST Select Credit Card comparison table
Feature	Amex Membership Rewards CC American Express	HDFC Regalia Gold HDFC Bank	IDFC FIRST Select Credit Card IDFC FIRST Bank
Annual fee	₹4,500	₹2,500	₹0
Min income (monthly)	₹60,000	₹50,000	₹30,000
Top reward rate	2 RP/₹150	4 RP/₹150	3X reward points
Net annual value (moderate spend)	₹822/yr	₹5,556/yr	₹2,070/yr
Secured / FD-backed	No	No	No
Signup bonus	₹4,000	₹2,500	—

Frequently asked questions

Which card has the lower annual fee?: IDFC FIRST Select Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
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?: IDFC FIRST Select Credit Card lists a minimum monthly income of ₹30,000.
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 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	IDFC FIRST BankPlatinum IDFC FIRST Select Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST Select Credit Card Top reward3X reward points Annual feeLifetime Free Min income₹30,000/mo Tap to flip back IDFC FIRST Select Credit Card IDFC FIRST Bank
Annual fee	₹4,500	₹2,500	₹0
Min income	₹60,000	₹50,000	₹30,000
Top reward rate	2 RP/₹150	4 RP/₹150	3X reward points
Net value (moderate)	₹822/yr	₹5,556/yr	₹2,070/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	₹4,000	₹2,500	—

Amex Membership Rewards CC details →HDFC Regalia Gold details →IDFC FIRST Select Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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