Highlights
- Take a look at the major differences between HDFC Regalia and Amex Platinum Reserve Credit Card.
- Compare their features and benefits before applying for them.
- Check the Annual Fee and Renewal Fee of these cards to get a better picture.
When it comes to credit card comparison in India’s premium segment, two cards consistently stand out: the HDFC Regalia Credit Card and the Amex Platinum Reserve Credit Card. These premium credit cards offer compelling rewards, exclusive privileges, and lifestyle benefits that make them highly desirable. While both cards target affluent customers, they differ significantly in their reward structures, annual fees, and special perks. Whether you are looking to upgrade your existing card or choosing your first premium credit card, understanding these differences is crucial for making an informed decision. In this detailed comparison, we will examine how these cards stack up against each other across various parameters, from reward points and lounge access to insurance benefits and milestone rewards, enabling you to determine which card is better aligned to your spending habits. After you determine which card is most suitable for you, do a free CIBIL score check on Wishfin before applying for a credit card. The credit score is the most important eligibility criteria that lenders look into before approving your credit card application. If you do not fulfill the credit score criteria set by the lender, your credit card application is likely to face rejection. So, in order to avoid this, it is essential to check your credit score before applying in order to avoid rejection.
Comparison of HDFC Regalia and Amex Platinum Reserve Credit Card
Annual Fees and Charges
The cost of ownership represents one of the most striking differences between these two premium cards. A complete examination of their fee structures reveals significant variations that could govern your decision. The HDFC Regalia Credit Card has an activation fee of Rs. 2,500 plus applicable taxes. This same amount applies as the annual renewal fee in subsequent years. In contrast, the American Express Platinum Reserve demands a substantially higher investment with a joining fee of Rs. 10,000 plus applicable taxes, and the same amount for annual renewal. Further, both cards offer different pathways to fee waivers. HDFC Regalia cardholders can enjoy a complete waiver of the renewal fee by spending Rs. 3 lakhs or more during the previous membership year. The Amex Platinum Reserve, however, requires a considerably higher annual spend of Rs. 10 lakhs to be eligible for a renewal fee waiver. When examining finance charges, HDFC Regalia carries a slightly lower rate at 3.49% per month compared to Amex Platinum Reserve’s 3.50% monthly charge. Similarly, cash advance fees differ — HDFC charges 2.5% of the withdrawn amount (Minimum Rs. 500), whereas Amex levies 3.5% (minimum Rs. 250
| Fee Type | HDFC Regalia | Amex Platinum Reserve |
|---|---|---|
|
Joining Fee |
Rs. 2,500 + taxes |
Rs. 10,000 + taxes |
|
Annual Fees |
Rs. 2,500 + taxes |
Rs. 10,000 + taxes |
|
Fee Waiver |
Spend ≥ Rs.3 lakhs/year |
Spend ≥ Rs. 10 lakhs/year |
|
Finance Charges |
3.49% monthly |
3.50% monthly |
|
Cash Advance |
2.5% (min Rs. 500) |
3.5% (Minimum Rs. 250) |
Additionally, the HDFC Regalia offers up to four supplementary cards at no extra cost enhancing its value proposition for families. Conversely, the Amex Platinum Reserve provides four complimentary add-on cards, charging 1,500 for each additional card thereafter. Despite the higher fees, Amex Platinum Reserve’s premium positioning is reflected in its exclusive benefits package, which we’ll explore in subsequent sections. Nevertheless, the substantial difference in annual fees makes HDFC Regalia potentially more accessible for many customers seeking entry into premium credit card territory.
Welcome Benefits
Both premium cards offer attractive welcome packages, albeit with notably different spending requirements and reward mechanisms. The American Express Platinum Reserve greets new cardholders with a substantial welcome gift of 11,000 bonus membership reward points. Unlock this benefit, customers must spend Rs. 30,000 within the first 90 days of card membership. These points provide considerable flexibility, as cardholders can redeem them for gift vouchers from leading brands like Amazon and ITC, transfer them to airline and hotel loyalty programs including Marriott Bonvoy and Hilton Honors, or use them to pay for eligible card charges.
In contrast, the HDFC Regalia offers a more immediate reward structure. Upon paying the joining fee, cardholders receive a gift voucher equivalent to the fee amount—Rs.2,500. Additionally, the card provides 500 bonus reward points on the first utility bill payment. For those who can meet higher spending thresholds, HDFC offers complimentary Swiggy One and MMT Black memberships when spending Rs.1 lakh or more within 90 days of card issuance.
Furthermore, HDFC Regalia customers who spend Rs.75,000 within 30 days of card issuance unlock a premium dining package that includes a complimentary Zomato Gold membership, a free dish at partnered restaurants with every visit, and up to two free drinks at Gold Drink partnered establishments
The Amex card offers a long-term welcome incentive as well—cardholders who spend Rs.5 lakh in a membership year can claim a Taj stay voucher worth Rs.10,000.
| Welcome Benefit | HDFC Regalia | Amex Platinum Reserve |
|---|---|---|
|
Immediate Rewards |
Rs.2,500 gift voucher + 500 bonus points |
11,000 Membership Rewards points |
|
Spending Requirement |
None for initial voucher |
Rs.30,000 within 90 days |
|
Premium Memberships |
Swiggy One, MMT Black, Zomato Gold |
None as immediate welcome benefit |
|
Annual High-spend Reward |
None mentioned |
Rs.10,000 Taj voucher (Rs.5L spend) |
Essentially, while the Amex card offers a more valuable points-based welcome gift, the HDFC Regalia provides more instant gratification with its fee-matching voucher and diverse membership benefits at various spending tiers.
Reward Points Structure
The reward system forms the backbone of any premium credit card’s value proposition. A detailed examination of these two cards reveals distinct approaches to rewarding customer spending. HDFC Regalia offers 4 reward points for every Rs. 150 spent on retail transactions. Moreover, it provides enhanced earnings with 5X reward points when shopping at select partners like Marks & Spencer, Myntra, Nykaa, and Reliance Digital — effectively earning 20 points per Rs. 150. For specific travel bookings through SmartBuy, cardholders can earn multiplied rewards: 10X on hotel stays, 5X on flights and bus bookings, and 3X on train reservations
American Express Platinum Reserve, alternatively, awards 1 Membership Rewards point for every Rs. 50 spent. Although this translates to a standard reward rate of 1-2%, Amex excludes several transaction categories from earning rewards, specifically fuel, insurance, utilities, cash transactions, and EMI conversions at point of sale.
| Card | Standard Reward Rate | Special Categories | Exclusions |
|---|---|---|---|
|
HDFC Regalia |
4 points/Rs. 150 |
5X-10X at partners |
Fuel, EasyEMI, Wallet |
|
Amex Platinum |
1 point/Rs. 50 |
3X on 50+ brands |
Fuel, insurance, utilities, cash, EMI. |
Both cards feature milestone benefits tied to spending thresholds. HDFC Regalia rewards yearly high spenders with 10,000 bonus points when reaching Rs. 5 lakhs and an additional 5,000 points at Rs. 8 lakhs. Amex offers a monthly benefit instead — spend Rs. 50,000 in a calendar month to earn a Rs. 1,000 voucher redeemable across popular brands like Flipkart, BookMyShow, and MakeMyTrip.
For redemption, Amex provides substantial flexibility with over 500 options across travel, dining, and retail. Points can be transferred to airline and hotel loyalty programs including Marriott Bonvoy and Hilton Honors. Similarly, HDFC Regalia points can be redeemed for flight/hotel bookings, products or vouchers from the bank’s catalog, statement credit, or transferred as AirMiles to partner airlines.
The primary distinction lies in earning structure — HDFC emphasizes category multipliers while Amex focuses on consistent base earnings supplemented by monthly milestone benefits.
Airport Lounge Access
Airport lounge access stands as a defining feature for travelers choosing between premium credit cards. A thorough analysis reveals distinct differences in how these two premium offerings handle this coveted benefit.
HDFC Regalia delivers a generous allocation of 12 complimentary visits annually to domestic airport lounges across India, with usage capped at 3 visits per quarter. Consequently, cardholders receive consistent access throughout the year. Beyond domestic terminals, the card provides 6 complimentary international lounge visits annually through a complimentary Priority Pass membership.
American Express Platinum Reserve matches the domestic allowance with 12 complimentary visits annually to Indian airport lounges (likewise limited to 3 per quarter). Uniquely, it offers fewer international visits—just 2 complimentary entries per year via Priority Pass. Indeed, both cards include the Priority Pass membership (worth USINR 8353.66) at no additional cost.
The pricing structure for additional international lounge visits differs markedly between cards. For HDFC Regalia users exceeding their 6 complimentary international visits, each additional visit costs USINR 2278.27 plus GST. Coupled with this, any guest accompanying the cardholder incurs the same charge. The Amex card follows a similar additional visit fee structure.
| Access Benefit | HDFC Regalia | Amex Platinum Reserve |
|---|---|---|
|
Domestic Visits |
12 per year (max 3/quarter) |
12 per year (max 3/quarter) |
|
International Visits |
6 complimentary per year |
2 complimentary per year |
|
Priority Pass |
Complimentary (worth USINR 8353.66) |
Complimentary (worth USINR 8353.66) |
|
Add-on Card Benefits |
Shared quota with primary card |
Same benefits for add-on cards |
To unlock these privileges with the HDFC Regalia, cardholders must complete a minimum of 4 retail transactions on their card. In comparison, no such transaction requirement exists for the Amex card. From a traveler’s perspective, particularly for frequent international flyers, this represents a substantial difference in value proposition between the cards.
The lounges themselves offer a multitude of premium services, including comfortable seating, complimentary meals, Wi-Fi access, and shower facilities at select locations. In the final analysis, Amex provides slightly better domestic coverage while HDFC offers superior international access—a critical factor when choosing between these premium cards.
Travel Insurance and Protection
Travel protection benefits represent a crucial differentiator between premium credit cards, often proving invaluable during unexpected emergencies abroad.
The HDFC Regalia Credit Card offers comprehensive travel insurance coverage that includes an accidental air death cover of Rs. 1 crore. Additionally, cardholders receive emergency overseas hospitalization coverage of up to Rs. 15 lakh and credit liability cover extending to Rs. 9 lakh. Importantly, this insurance coverage activates only when travel tickets are purchased using the HDFC Regalia card.
For international travelers, the HDFC Regalia imposes certain limitations—coverage applies exclusively to international travel originating from India and remains valid for a maximum trip duration of 30 days. Furthermore, the insurance benefits are designed to provide peace of mind during unforeseen situations while traveling.
In comparison, the American Express Platinum Reserve offers more extensive travel protection benefits. The card provides comprehensive travel insurance for both primary cardholders and supplementary members. Beyond medical coverage, Amex offers substantial baggage protection—if checked baggage is lost by a commercial carrier, cardholders can receive reimbursement up to USINR 101,256.54 per trip.
The medical coverage from Amex is particularly robust, including:
- Emergency medical services up to USINR 21,095,112.70
- Emergency medical transportation up to USINR 8,438,045.08
- Emergency dental treatment up to USINR 84,380.45
- Prescription expenses up to USINR 84,380.45
Furthermore, Amex Platinum Reserve provides travel accident insurance with coverage of up to USINR 42,190,225.40 for accidental death or dismemberment while traveling on common carriers when the fare is charged to the card. Uniquely, the card also includes legal assistance benefits up to USINR 843,804.51 per trip.
While both cards offer substantial protection, the American Express Platinum Reserve generally provides more comprehensive coverage with higher limits across multiple categories. Conversely, the HDFC Regalia offers simpler yet substantial protection focusing primarily on medical emergencies and accidental death coverage.
Consequently, frequent international travelers might find the extensive protection benefits of the Amex Platinum Reserve particularly valuable, especially those concerned about baggage loss, medical emergencies abroad, or requiring legal assistance while traveling.
Lifestyle Benefits
Beyond travel perks, premium credit cards excel in enhancing everyday experiences through exclusive lifestyle benefits that justify their annual fees.
The HDFC Regalia Credit Card offers substantial dining privileges through the Good Food Trail program, providing up to 7.5% savings at over 20,000 restaurants via Swiggy Dineout. Cardholders can simultaneously enjoy a free dish at partnered restaurants on every visit and up to two complimentary drinks at Gold Drink partnered establishments. For those who spend Rs. 75,000 or more, an exclusive Dine-out passport membership unlocks 25% discounts at 2,000+ premium restaurants.
In comparison, the American Express Platinum Reserve delivers more comprehensive dining benefits through its Good Food Trail program, offering up to 20% savings on restaurant bills paid via Swiggy Dineout offer encompasses both restaurant and Swiggy discounts but applies exclusively to payments made through the Swiggy App.
Regarding hotel privileges, Amex Platinum Reserve shines with its complimentary Accor Plus Traveler membership (worth Rs.10,000 plus GST), granting access to 1,000+ hotels like Fairmont and Sofitel across 20 countries in Asia Pacific. This membership contains up to 50% discounts on dining at over 1,400 participating Accor hotel restaurants. Both cards offer privileges at Taj Hotels, SeleQtions, Vivanta Hotels, and Preferred Hotels & Resorts.
For golf enthusiasts, Amex Platinum Reserve provides complimentary access twice monthly to 32+ courses in India without green fees when spending Rs. 50,000 in the previous two months. HDFC Regalia does not match this specific benefit.
The Amex card further distinguishes itself with:
- Movie or online shopping vouchers worth Rs. 12,000 annually.
- Special benefits at Max Healthcare.
- Exclusive 24/7 concierge services.
- Purchase protection covering theft or damage within 60 days.
Overall, Amex Platinum Reserve offers more extensive lifestyle benefits, but HDFC Regalia provides strong value through its dining programs and hotel privileges at a lower annual fee.
Milestone Benefits and Spending Rewards
Milestone benefits serve as powerful incentives that motivate cardholders to increase their spending throughout the year. Both premium cards offer structured rewards at specific spending thresholds, though their approaches differ substantially.
The HDFC Regalia Credit Card rewards high annual spending with tiered bonus points. Cardholders who spend Rs. 5 lakhs or more in an anniversary year receive 10,000 reward points. Subsequently, reaching Rs. 8 lakhs unlocks an additional 5,000 reward points. Quarterly spending is also rewarded—spend Rs. 1.5 lakhs within a calendar quarter to receive vouchers worth Rs. 1,500 from premium brands including Marriott, Myntra, Marks & Spencer, or Reliance Digital. For travel enthusiasts, HDFC offers Rs. 5,000 worth of flight vouchers upon reaching Rs. 5 lakhs in annual spending, plus an additional Rs. 5,000 in flight vouchers when spending reaches Rs. 7.5 lakhs.
Meanwhile, the American Express Platinum Reserve adopts a monthly milestone structure. Cardholders who spend Rs. 50,000 in a calendar month earn a Rs. 1,000 voucher redeemable across popular brands like Flipkart, BookMyShow, and MakeMyTrip. This monthly benefit accumulates to Rs. 12,000 annually for consistent high spenders.
The Amex card offers additional milestone benefits for sustained annual spending. Spend Rs. 10 lakhs in a membership year to receive a 100% waiver on the annual fee. Furthermore, these accumulated benefits trigger automatic renewals of complimentary privileges like the Priority Pass membership.
| Spending Milestone | HDFC Regalia Reward | Amex Platinum Reserve Reward |
|---|---|---|
|
Monthly Rs. 50,000 |
Not applicable |
Rs. 1,000 voucher (Rs. 12,000/year) |
|
Annual Rs. 5 lakhs |
10,000 reward points + Rs. 5,000 flight voucher |
Not applicable |
|
Annual Rs. 7.5 lakhs |
Additional Rs. 5,000 flight voucher |
Not applicable |
|
Annual Rs.8 lakhs |
Additional 5,000 reward points |
Not applicable |
|
Annual Rs. 10 lakhs |
Not specified |
100% annual fee waiver |
Therefore, both cards reward sustained spending differently—HDFC focuses on quarterly and annual milestones with reward points and travel vouchers, while Amex emphasizes monthly consistent spending with brand vouchers plus a significant fee waiver for high annual spenders.
Eligibility Criteria
Meeting stringent eligibility requirements stands as the first hurdle in acquiring premium credit cards, regardless of their attractive benefits. Both HDFC Regalia and American Express Platinum Reserve target affluent customers with specific financial profiles.
For HDFC Regalia, age eligibility varies by employment status. Salaried professionals must be between 21-60 years of age whereas self-employed individuals can apply between 21-65 years. In terms of income requirements, salaried applicants need a monthly income of Rs. 1-1.5 lakh, translating to Rs. 12-18 lakhs annually. Self-employed individuals must demonstrate annual income of at least Rs. 12-18 lakhs as per their ITR.
Comparatively, American Express Platinum Reserve maintains a minimum age requirement of 18 years, with applicants eligible up to 65 years. The income threshold appears more accessible at Rs. 6 lakhs per annum for both salaried and self-employed applicants. Uniquely, self-employed applicants for Amex must have a company that has been operating for at least 12 months.
Both cards mandate a strong credit history, typically requiring a credit score of 750 or above. This threshold helps issuers minimize risk while ensuring cardholders can manage premium card responsibilities.
| Criteria | HDFC Regalia | Amex Platinum Reserve |
|---|---|---|
|
Age (Salaried) |
21-60 years |
18-65 years |
|
Age (Self-employed) |
21-65 years |
18-65 years |
|
Monthly Income (Salaried) |
Rs. 1-1.5 lakh |
Rs. 50,000 (Rs. 6L annually) |
|
Annual Income (Self-employed) |
Rs. 12-18 lakhs |
Rs. 6 lakhs |
|
Credit Score |
750+ |
750+ |
|
Business Requirement |
Not specified |
12+ months in operation |
Beyond these core requirements, both cards require Indian citizenship and valid identity and address proof documents. Interestingly, Amex has geographical limitations, being available only in select cities including Delhi/NCR, Mumbai, Bangalore, Chennai, and other major urban centers
Prior to applying, prospective cardholders should assess their eligibility against these parameters to avoid application rejections, which could negatively impact their credit score. Additionally, applicants should have valid savings or current accounts with Indian or multinational banks as part of the verification process.
Additional Services
Premium credit cards differentiate themselves not only through core benefits but also through auxiliary services that enhance daily convenience and security for cardholders.
The American Express Platinum Reserve offers comprehensive concierge assistance that extends beyond basic services. Cardholders can access the Platinum Concierge for arranging flower and gift deliveries, booking movie tickets, securing golf course reservations, making dining reservations, and even scheduling spa sessions at participating partners. This 24/7 service ensures cardholders can manage lifestyle needs effortlessly at any time.
In comparison, HDFC Regalia provides its own 24/7 concierge service accessible via toll-free number (1860 425 1188) or email ([email protected]). This service assists with car rentals, hotel reservations, golf course bookings, and dining arrangements—mirroring many of Amex’s offerings but with potentially different partner networks.
Both cards feature robust account management tools. Amex cardholders get account alerts including payment reminders, balance updates, and real-time transaction notifications. Alongside this, cardholders can access comprehensive online account services for statement management.
Purchase protection represents a standout feature for the Amex Platinum Reserve. If items purchased with the card are stolen due to burglary or damaged from events like fire, earthquake, or flood within 60 days of purchase, the entire amount can be refunded. The zero liability protection on lost cards applies after reporting the loss within 3 working days.
Emergency replacement services also differ between cards. Amex provides emergency card replacement within 2 business days anywhere globally at no additional charge. Both cards offer contactless payment technology for purchases under Rs. 5,000 without requiring a PIN.
| Service Type | HDFC Regalia | Amex Platinum Reserve |
|---|---|---|
|
Concierge |
24/7 travel and lifestyle assistance |
Platinum Concierge with broader service range |
|
Purchase Protection |
Basic coverage |
60-day coverage against theft/damage |
|
Emergency Replacement |
Standard service |
Global 2-day replacement |
|
Account Management |
Online services |
Real-time alerts and online management |
Accordingly, while both cards offer premium additional services, the Amex Platinum Reserve provides more extensive purchase protection and emergency card replacement options, justifying its higher annual fee for those who prioritize these security features.
Pros and Cons
Evaluating the strengths and limitations of these premium credit cards provides crucial insights for potential applicants seeking the right fit for their lifestyle needs.
HDFC Regalia Strengths:
The HDFC Regalia offers exceptional value with its relatively moderate annual fee of Rs. 2,500, which remains justified through multiple benefits. Most notably, it provides generous international travel access with six complimentary Priority Pass lounge visits annually, triple what Amex offers. Furthermore, the card features comprehensive protection with accidental air death coverage worth Rs. 1 Crore and emergency overseas hospitalization up to Rs. 15 lakhs. For frequent travelers, the low foreign currency markup of just 2% represents substantial savings on international transactions.
HDFC Regalia Limitations:
Even with its comprehensive benefits, the Regalia has several shortcomings. Primarily, it lacks specialized lifestyle perks like golf privileges found in some competing cards. Additionally, lounge visits within India using Priority Pass incur charges of approximately Rs. 2,278 plus GST per visit, an unexpected expense for many cardholders expecting complimentary access.
American Express Platinum Reserve Strengths:
The Amex Platinum Reserve shines with its robust reward structure, particularly its consistent monthly milestone benefit—a Rs. 1,000 voucher when spending Rs. 50,000 monthly, potentially totaling Rs. 12,000 annually. The card is truly awesome with premium memberships including EazyDiner Prime, Taj Epicure, and Accor Plus Traveler, creating substantial value for frequent travelers and diners. Remarkably, when utilizing the Amex Reward Multiplier platform, reward rates can reach approximately 4.4%, among the highest available in premium cards.
American Express Platinum Reserve Limitations:
The card’s most obvious disadvantage remains its exorbitant annual fee of Rs. 10,000 without any spend-based waiver option. Beyond that, international travelers face limited access with only two complimentary Priority Pass visits annually. Perhaps most frustrating for many users is the persistent acceptance issue—Amex cards typically encounter lower merchant acceptance rates, especially outside major metropolitan areas.
Which Card is Right for You?
Selecting the perfect premium credit card ultimately depends on your spending habits, lifestyle preferences, and financial capacity. After a thorough analysis of both offerings, clear patterns emerge about which card serves specific customer profiles best.
The HDFC Regalia Credit Card presents a compelling option for value-conscious consumers who still desire premium benefits. With its moderate annual fee of Rs. 2,500 and achievable fee waiver threshold of Rs. 3 lakhs annual spend, it remains accessible to a broader audience. This card particularly suits international travelers, offering superior value through six complimentary priority pass lounge visits annually and a lower foreign currency markup of just 2%.
In contrast, the American Express Platinum Reserve targets affluent customers who can justify its Rs. 10,000 annual fee through consistent monthly spending. This card shines for those who:
- Spend at least Rs. 50,000 monthly to capitalize on the Rs. 1,000 monthly vouchers
- Accumulate Rs. 10 lakhs annually to secure the 100% fee waiver
- Value premium lifestyle benefits like golf privileges and hotel memberships
- Prefer monthly reward consistency over quarterly or annual milestones
For families, HDFC Regalia offers advantages through its add-on card structure and shared Priority Pass visits. Business travelers who frequently visit domestic airports will find similar value in both cards, as each provides 12 domestic lounge visits annually.
The deciding factor for many applicants comes down to spending capacity. For those comfortably spending Rs. 10 lakhs annually, Amex Platinum Reserve delivers superior value through its comprehensive fee waiver and lifestyle benefits. For moderate spenders (Rs. 3-5 lakhs annually), HDFC Regalia provides a more cost-effective premium experience.
On balance, experts suggest that consumers with approximately Rs. 10 lakhs annual spending capacity might consider exploring other American Express card options rather than the Platinum Reserve. In fact, some reviewers recommend a combination of lower-tier Amex cards that potentially deliver greater reward value for the same spending.
Consider your priority benefits carefully before making your final decision, as each card excels in different categories that might align more closely with your lifestyle needs.
FREQUENTLY ASKED QUESTIONS
1. How do the reward points systems compare between the HDFC Regalia and Amex Platinum Reserve credit cards?
HDFC Regalia offers 4 reward points per Rs. 150 spent on retail transactions, while Amex Platinum Reserve offers 1 membership reward point per Rs. 50 spent, except on fuel, insurance, utilities, and EMI transactions. The value of HDFC Regalia points differs by redemption method, with the highest value for flight and hotel bookings.
2. What are the foreign currency markup fees for the HDFC Regalia Credit Card and the Amex Platinum Reserve Credit Card?
HDFC Regalia charges a 2% foreign currency markup fee on international transactions, which is relatively low compared to many other cards. The foreign currency markup fee for Amex Platinum Reserve credit card is 3.5%.
3. What travel insurance benefits does the HDFC Regalia Credit Card offer?
HDFC Regalia offers:
- An air accident death cover worth Rs. 1 crore
- Emergency overseas hospitalization cover up to Rs. 15 lakhs
- Credit liability cover up to Rs. 9 lakhs.
4. What dining benefits do the HDFC Regalia credit card and the Amex Platinum Reserve credit card offer?
HDFC Regalia offers dine-out passport membership and 5% additional discount with zero convenience fee on 200+ partnered restaurants. Amex Platinum Reserve provides enhanced dining benefits through elite tier memberships like Accor Plus Traveller, Taj Epicure, and EazyDiner Prime membership.
5. What are the finance charges for the HDFC Regalia and Amex Platinum Reserve credit cards?
HDFC Regalia has a finance charge of 3.49% per month, while Amex Platinum Reserve charges 3.50% per month, making them very similar in this aspect.
