American Express Membership Rewards Credit Card vs HDFC Regalia Credit Card
Joining Fees
₹1,000
₹2,500
Editor's Rating
4.1
4
Key Features
- Annual Membership Renewal Fee Waived if total spends on American Express Credit Card is Rs.1,50,000 and above; else 50% annual membership renewal fee will be waived off if total spends is Rs.90,000 to Rs.1,49,999
- Earn 1,000 Bonus Membership Rewards Points for simply using your Card 4 times on transactions of Rs. 1,000 and above every month
- Earn 5,000 Membership Rewards Points upon First Year Card Renewal, on payment of Annual Membership Fee. Points to be credited within 90 days of Card renewal
- Redeem Points from the fabulous 18 and 24 Karat Gold Collection
- Exciting Discounts of up to 20% every time you dine at select restaurants
- Complimentary Airport Lounge Access within India: Lounge access program will now be based on the credit card spends. Spend Rs. 1 Lakh or more in a calendar quarter (Jan-Mar | Apr-Jun |Jul-Sept | Oct-Dec). Choose up to 2 complimentary lounge access vouchers as your Quarterly Milestone Benefit
- International Lounge access using priority pass is not based on spends: Cardholders can apply for Priority Pass once they complete minimum 4 retail transactions on the card. Do note that Rupay cards are not eligible for priority pass. Using Priority Pass, avail up to 6 Complimentary Lounge Access per calendar year, outside India
- 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs. 400 and Rs. 5000
- Enjoy dining benefits with the Good Food Trail program: Get up to 7.5% savings on all restaurant bill payments via Swiggy Dineout (20k+ restaurants). This offer is inclusive of Restaurant and Swiggy Discount, and valid only on payments done via the Swiggy App
- Zero Lost card liability
- Foreign Currency Markup: 3.5% on all foreign currency spends
- Get Revolving Credit at nominal interest rate
- 24/7 Concierge Services
- Milestone Benefit: Avail 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs and additional 5,000 Reward Points when achieving annual spends of Rs. 8 lakhs in an anniversary year
- Spend Rs. 3L in 12 Months and get Renewal Fee waived for next renewal year
- Convert big spends into EMI after purchase
- Accidental air death cover worth Rs. 1 Crore
- Emergency overseas hospitalization up to Rs. 15 lakhs
- Lost Card Liability Cover : Up to Rs 9 lakhs
- On retail spends including Insurance, earn 4 reward points on Rs. 150
- Get 10,000 Reward Points on annual spends of Rs. 5 lakhs
- Get additional 5,000 Reward Points on annual spends of Rs. 8 lakhs
Editor's Review
Pros
- Use your American Express Credit Card for your next big purchase & pay in EMI
- Fuel Convenience Fee Waiver
- One of the highest point to INR conversion rates in the market
Cons
- No Golf/coaching sessions
- No complimentary Airport Lounge access
- High Renewal Fee
Pros
- Earn 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs.
- Accidental air death cover worth Rs. 1 Crore
- Fuel Surcharge Waiver
Cons
- Slightly high Annual Fee
- No golf/coaching sessions
