Find my best card →
faayda.com › compare › Amex Platinum Travel vs HDFC Regalia Gold
Comparison · हिन्दी

Amex Platinum Travel vs HDFC Regalia Gold

Both cards compared on real rupee returns for best premium travel credit card India Amex vs HDFC Regalia Gold. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
AMERICAN E
PLATINUM TRAVE
ASHOK KUMAR
VS
HDFC
REGALIA GOLD
ASHOK KUMAR
Our verdict
HDFC Regalia Gold Credit Card wins for most people
Card B wins with ₹3,155 annual benefit versus Card A's -₹80 loss. For your ₹29,000 monthly spend, HDFC Regalia Gold delivers superior value with lower fees and consistent rewards across all categories.
Side-by-side comparison
Amex Platinum Travel Credit Card HDFC Regalia Gold Credit Card ✓
Annual benefit -₹80 ₹3,155
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹5,000 + taxes ₹2,500 + taxes (waived on ₹4,00,000/year spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 1 Membership Reward point per ₹50; bonus on travel bookings 5 reward points per ₹200 on all spends (1.625%); 5X on Nykaa, Myntra, Marks & Spencer, Reliance Digital
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 visits/year (domestic) 12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 2%
Best for Travel rewards and airline miles All-round premium card with travel perks and lifestyle rewards
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹6L+ per year ₹1L/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+ 750+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
Amex Platinum Travel Credit Card
Choose Card A only if you're a frequent international traveler maximizing airline transfer opportunities and premium lounge access. The high annual fee requires substantial travel spending to justify its cost.
HDFC Regalia Gold Credit Card
Card B suits your profile perfectly with ₹348,000 annual spend. The fee waives at ₹400,000 spend, 5X rewards on shopping (Nykaa/Myntra), and 1.625% baseline cashback outpace Card A's premium positioning.
Who should get which card
Get Amex Platinum Travel if you…
· Frequent international flyers with high travel budgeting
· Priority Pass lounge access seekers
· Airline transfer redemption enthusiasts
Get HDFC Regalia Gold if you…
· Balanced spenders across shopping, dining, and travel
· Online fashion shoppers (Nykaa/Myntra bonus rewards)
· Those wanting fee waiver at ₹400k+ annual spend
· Budget-conscious premium card users
Partner offer
IDFC FIRST Ashva Credit Card
Frequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the app
Apply now →
IDFC
ASHOK KUMAR

See which card suits your exact spending

Get a personalised rupee estimate based on how you actually spend

Try the tool →

Already have one of these cards?

Upload your credit card statement. We'll show your real cashback, catch subscriptions, and flag if you're leaving money on the table

Analyse my statement →
Related guides
Axis Bank Select vs HDFC Regalia Gold →Amex Platinum Travel vs American Express Membership Rewards →HDFC Regalia vs HDFC Regalia Gold →HDFC Millennia vs HDFC Regalia Gold →Best Travel Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Amazon and Flipkart →
Frequently asked questions
Based on our analysis, HDFC Regalia Gold Credit Card offers better annual returns for most spend profiles.
Amex Platinum Travel Credit Card has an annual fee of ₹5,000 + taxes. HDFC Regalia Gold Credit Card has an annual fee of ₹2,500 + taxes (waived on ₹4,00,000/year spend).
Amex Platinum Travel Credit Card offers 1 Membership Reward point per ₹50; bonus on travel bookings. HDFC Regalia Gold Credit Card offers 5 reward points per ₹200 on all spends (1.625%); 5X on Nykaa, Myntra, Marks & Spencer, Reliance Digital.
Amex Platinum Travel Credit Card lounge access: 4 visits/year (domestic). HDFC Regalia Gold Credit Card lounge access: 12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter).
Amex Platinum Travel Credit Card charges 3.5% forex markup. HDFC Regalia Gold Credit Card charges 2% forex markup.