American Express Platinum Travel Credit Card vs Hdfc Bank Regalia Gold Credit Card: Which is Better in 2026?
vs
The American Express Platinum Travel Credit Card and HDFC Bank Regalia Gold Credit Card cater to different user needs with distinct benefits. While the former emphasizes travel rewards and premium lounge access, the latter offers a more balanced approach with cashback and versatile reward points. This comparison highlights the strengths of each card to help you make an informed choice.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | American Express Platinum Travel Credit Card | Hdfc Bank Regalia Gold Credit Card |
|---|---|---|
| Bank | American Express | HDFC Bank |
| Network | American Express | MasterCard |
| Joining fee | — | Joining Fee of Rs. 2500 |
| Annual / renewal fee | Renewal Fee of Rs. 5000 | Renewal Fee of Rs. 2500 |
| Annual fee waiver | — | Spend Rs.400000 For Renewal Fee Waiver |
| Reward rate (headline) | Avail 3X Rewards on at Myntra | 5X Reward Points on spends at Marks & Spencer |
| Lounge — domestic | 8 Complimentary Airport Lounge Access Per Year | 12 Complimentary Airport Lounge Access |
| Lounge — international | Complimentary Priority Pass Membership Worth US $99 | 6 Complimentary Lounge Access Outside India |
| Welcome benefit | Welcome Gift of 10000 Membership Rewards Points | Avail Gift Voucher Worth Rs.2500 |
| Milestone benefit | Earn 15000 Membership Rewards points on Spend of Rs.1.90 Lakhs; Earn 25000 Membership Rewards points on Spend of Rs.4 Lakhs | Earn 10000 Rewards Points on Spend of Rs.5 Lakhs; Earn 15000 Rewards Points on Spend of Rs.8 Lakhs |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 2% - Foreign Currency Transactions |
Which is better for rewards?
The American Express Platinum Travel Credit Card offers superior rewards with 3X points on various shopping categories, particularly at Myntra, making it ideal for frequent shoppers. In contrast, the HDFC Bank Regalia Gold Credit Card provides 5X points on specific brands like Marks & Spencer and Myntra, along with a broader range of categories for earning points. Overall, if rewards accumulation is your priority, the American Express card takes the lead.
Which is better for travel?
When it comes to travel benefits, the HDFC Bank Regalia Gold Credit Card excels with 12 complimentary domestic lounge accesses and 6 international lounges, making it a better choice for frequent travelers. The American Express Platinum Travel Credit Card, while offering fewer domestic lounge accesses, compensates with a complimentary Priority Pass membership, which can be valuable for international travel. Thus, for those prioritizing travel perks, the HDFC card is more advantageous.
Which has lower effective cost?
The HDFC Bank Regalia Gold Credit Card has a lower renewal fee of Rs. 2500 compared to the American Express Platinum Travel Credit Card's Rs. 5000. Additionally, the Regalia card offers a fee waiver upon spending Rs. 400,000, making it more cost-effective for those who can meet this threshold. Therefore, if minimizing fees is a key concern, the HDFC card is the better option.
Who should pick American Express Platinum Travel Credit Card?
Consider American Express Platinum Travel Credit Card if you frequently shop at partner brands like Myntra and seek to maximize your rewards points. This card is particularly beneficial for users who value premium rewards and are willing to pay a higher fee for enhanced benefits.
Who should pick Hdfc Bank Regalia Gold Credit Card?
Consider HDFC Bank Regalia Gold Credit Card if you travel often and prefer a card that offers a balance of rewards and lower fees. With its extensive lounge access and lower renewal costs, this card is well-suited for budget-conscious travelers who also want to earn rewards on everyday spending.
Frequently Asked Questions
The American Express Platinum Travel Credit Card has no specified joining fee, while the HDFC Bank Regalia Gold Credit Card has a joining fee of Rs. 2500.
The American Express Platinum Travel Credit Card offers 8 complimentary domestic lounge accesses, while the HDFC Bank Regalia Gold Credit Card offers 12 domestic and 6 international lounge accesses.
The American Express Platinum Travel Credit Card has a forex markup of 3.50%, whereas the HDFC Bank Regalia Gold Credit Card has a lower forex markup of 2%.
The American Express Platinum Travel Credit Card offers milestone rewards of 15,000 points on spending Rs. 1.90 lakhs and 25,000 points on Rs. 4 lakhs. The HDFC Bank Regalia Gold Credit Card offers 10,000 points on Rs. 5 lakhs and 15,000 points on Rs. 8 lakhs.