American Express Platinum Travel Credit Card vs HDFC Bank Regalia Gold Credit Card
How American Express Platinum Travel Credit Card and HDFC Bank Regalia Gold Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
Neither is lifetime-free: American Express Platinum Travel Credit Card costs ₹5,000 + GST (no spend-based waiver) and HDFC Bank Regalia Gold Credit Card costs ₹2,500 + GST (waived on ₹4L annual spend) — both waivable on spend, so the rewards decide it.
American Express Platinum Travel Credit Card — better for higher spenders who hit annual milestones for travel vouchers.
HDFC Bank Regalia Gold Credit Card — better for frequent flyers who want lounge access plus accelerated shopping rewards.
Side by side
| American Express Platinum Travel Credit CardAmerican Express | HDFC Bank Regalia Gold Credit CardHDFC Bank | |
|---|---|---|
| Annual fee | ₹5,000 + GST (no spend-based waiver) | ₹2,500 + GST (waived on ₹4L annual spend) |
| Reward rate | 1 MR pt/₹50 base; milestone bonuses at ₹1.9L / ₹4L / ₹7L annual spend | ~1.25% base (5 RP/₹200, from May 2026); 5X at select brands |
| Lifetime-free | No | No |
| Network | American Express | Visa / Mastercard |
| Eligibility | 18+ yrs; annual income ₹6L+; resident Indian | Salaried ₹1L+/mo (21–60); self-employed ITR ≥₹18L (21–65) |
| Best for | Higher spenders who hit annual milestones for travel vouchers. | Frequent flyers who want lounge access plus accelerated shopping rewards. |
American Express Platinum Travel Credit Card
- Milestone bonuses: 7,500 pts at ₹1.9L, 10,000 at ₹4L, 22,500 pts + ₹10,000 Taj voucher at ₹7L
- Complimentary airport-lounge visits
- 1 Membership Rewards point per ₹50 base spend
HDFC Bank Regalia Gold Credit Card
- Complimentary domestic and international airport-lounge visits
- 5X reward points at Myntra, Nykaa, Reliance Digital & M&S (cap 5,000 RP/mo)
- ₹2,500 joining fee offset by a ₹2,500 welcome voucher
American Express Platinum Travel Credit Card vs HDFC Bank Regalia Gold Credit Card — FAQs
Neither is universally better. American Express Platinum Travel Credit Card suits higher spenders who hit annual milestones for travel vouchers. HDFC Bank Regalia Gold Credit Card suits frequent flyers who want lounge access plus accelerated shopping rewards. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Neither is lifetime-free: American Express Platinum Travel Credit Card costs ₹5,000 + GST (no spend-based waiver) and HDFC Bank Regalia Gold Credit Card costs ₹2,500 + GST (waived on ₹4L annual spend) — both waivable on spend, so the rewards decide it. On rewards, American Express Platinum Travel Credit Card gives milestone travel vouchers (up to a ₹10,000 taj voucher at ₹7l spend) plus lounge access. whereas HDFC Bank Regalia Gold Credit Card gives domestic & international airport-lounge access plus 5x points at select brands.
American Express Platinum Travel Credit Card: ₹5,000 + GST (no spend-based waiver). HDFC Bank Regalia Gold Credit Card: ₹2,500 + GST (waived on ₹4L annual spend). Both fees can usually be waived on annual spend — check the thresholds on each issuer's page.
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.