Which card has the lower annual fee?

IDFC FIRST WOW 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?

HDFC Regalia Gold lists a minimum monthly income of ₹50,000.

Which cards are secured (FD-backed)?

IDFC FIRST WOW Credit Card is secured — useful for thin credit files without a bureau pull at application.

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 WOW Credit Card

Honest side-by-side comparison of Amex Membership Rewards CC, HDFC Regalia Gold, IDFC FIRST WOW 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 Amex Membership Rewards CC by about ₹4,734/yr.

Amex Membership Rewards CC vs HDFC Regalia Gold vs IDFC FIRST WOW Credit Card comparison table
Feature	Amex Membership Rewards CC American Express	HDFC Regalia Gold HDFC Bank	IDFC FIRST WOW Credit Card IDFC FIRST Bank
Annual fee	₹4,500	₹2,500	₹0
Min income (monthly)	₹60,000	₹50,000	Not stated
Top reward rate	2 RP/₹150	4 RP/₹150	1X reward points
Net annual value (moderate spend)	₹822/yr	₹5,556/yr	₹800/yr
Secured / FD-backed	No	No	Yes
Signup bonus	₹4,000	₹2,500	—

Frequently asked questions

Which card has the lower annual fee?: IDFC FIRST WOW 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?: HDFC Regalia Gold lists a minimum monthly income of ₹50,000.
Which cards are secured (FD-backed)?: IDFC FIRST WOW Credit Card is secured — useful for thin credit files without a bureau pull at application.
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 BankClassic IDFC FIRST WOW Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST WOW Credit Card Top reward1X reward points Annual feeLifetime Free Tap to flip back IDFC FIRST WOW Credit Card IDFC FIRST Bank
Annual fee	₹4,500	₹2,500	₹0
Min income	₹60,000	₹50,000	Not stated
Top reward rate	2 RP/₹150	4 RP/₹150	1X reward points
Net value (moderate)	₹822/yr	₹5,556/yr	₹800/yr
Secured / no bureau	Standard	Standard	FD-backed
Signup bonus	₹4,000	₹2,500	—

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

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Amex Membership Rewards CC comparisons