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Pick up to 3 cards. See fees, rewards, and estimated net annual value on the same spend profile — no bureau pull.
| Feature | 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 | AU Small Finance BankPlatinum AU Zenith Credit Card •••• •••• •••• 4242 Quick facts AU Zenith Credit Card Top reward3X points/₹150 Annual fee₹7,999 Min income₹75,000/mo Tap to flip back AU Zenith Credit Card AU Small Finance Bank | American ExpressGold American Express Gold Card •••• •••• •••• 4242 Quick facts American Express Gold Card Top reward4X Annual fee₹4,500 Min income₹60,000/mo Tap to flip back American Express Gold Card American Express |
|---|---|---|---|
| Annual fee | ₹2,500 | ₹7,999 | ₹4,500 |
| Min income | ₹50,000 | ₹75,000 | ₹60,000 |
| Top reward rate | 4 RP/₹150 | 3X points/₹150 | 4X |
| Net value (moderate) | ₹4,120/yr | -₹6,157/yr | ₹950/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ₹2,500 | — | ₹4,000 |