Check below for a comparison between the American Express Membership Reward credit card vs HDFC Regalia credit card or HDFC Regalia credit card vs American Express Membership Reward credit card and find which is better –

Overview of HDFC Regalia credit card

The HDFC Bank Regalia Credit Card offers a plethora of travel and lifestyle perks, all while accumulating rewarding points. This premium credit card, exclusive to HDFC Bank, is designed to deliver on its commitment to luxury and travel advantages.

Fulfilling the promise of indulgence and travel benefits, the HDFC Regalia Card grants complimentary access to airport lounges both within India and abroad.

With every expenditure of Rs. 150 on the card, you earn 4 Reward Points. These points, valued at up to Re. 0.5 per point, can be redeemed across various categories.

Moreover, the card boasts a minimal foreign currency markup, positioning it as an ideal choice for international transactions.

Beyond this, it presents enticing dining privileges, round-the-clock concierge services, and a host of additional benefits. Elevate your lifestyle with the HDFC Regalia Credit Card – where luxury meets practicality.

Overview of American Express Membership Reward credit card

The American Express Membership Rewards® Credit Card, offered by American Express, is synonymous with premium support and services. This credit card ensures a plethora of rewards on your shopping and other expenditures.

For the Membership Rewards® Credit Card, there is a joining fee of Rs 1,000 and a renewal fee of Rs 4,500.

However, the renewal fee can be completely waived with an annual spending of Rs 1,50,000 or more. Each Rs 50 spent (excluding fuel transactions, utility bill payments, insurance, and cash transactions) earns you 1 membership reward point.

Additionally, by using your card for transactions of Rs 1,500 or more at least 4 times, you can unlock a bonus of 1,000 membership reward points.

Experience the excellence of American Express Membership Rewards® Credit Card for unparalleled benefits.

American Express Membership Reward credit card vs HDFC Regalia credit card

Features/Charges	American Express Membership Reward credit card	HDFC Regalia credit card
Joining Fees	Rs. 1000 + Taxes	Rs. 2500 + Taxes
Annual Fees	Rs. 4500 + Taxes	Rs. 2500 + Taxes
Welcome Benefits	Avail a substantial 4,000 Bonus Membership reward points by settling the joining fee at Rs. 1,000 and making expenditures of Rs. 15,000 within the initial 90 days of receiving the card.	Earn an impressive 2500 rewards points when you choose this card.
Cashback / Rewards point	Enjoy the privilege of earning 1 membership reward point for every Rs. 50 spent (excluding fuel transactions, utility bill payments, insurance, and cash transactions).	Unlock 4 Reward Points for every Rs. 150 spent, maximizing your benefits with every transaction.
Dining benefits	Indulge in delightful dining experiences with a 20% discount at selected restaurants when using this card.	Indulge in an exclusive dine-out passport membership, ensuring an extra 5% off and early access to numerous festivals and events hosted at hotels.
Travel benefits	N/A	Enjoy the luxury of complimentary access to both Domestic and International Lounges, coupled with valuable Travel Insurance.
Annual fees waiver	Experience financial flexibility with an Annual Fees waiver on the renewal fee of Rs. 4,500 upon reaching an annual expenditure of Rs. 1,50,000. Additionally, benefit from a 50% waiver on the renewal fee for annual expenditures ranging between Rs. 90,000 to 1,49,999 on this card.	Experience added perks as the annual fee is waived on expenditures exceeding 3 lakhs on this card.
Fuel surcharge waiver	Maximize your savings with a 1% fuel surcharge waiver on fuel transactions exceeding Rs. 5000 and a 0% surcharge on transactions below Rs. 5000. Unleash the full potential of your card for unparalleled rewards and benefits.	Benefit from a 1% fuel surcharge waiver on fuel transactions ranging from Rs. 400 to Rs. 5000, making each journey more cost-effective.