American Express® Platinum Card vs HDFC Regalia Credit Card

Joining Fees

₹60,000

₹2,500

Editor's Rating

4.6

4

Key Features

  • Earn 1,00,000 Welcome Bonus Membership Rewards® Points
  • Benefits worth Rs. 37,000 every time one book at one of the 1000+ properties under the Fine Hotels & Resorts collection. Get 25% off at Taj, SeleQtions and Vivanta Hotels
  • REMAIN PROTECTED WITH BENEFITS UP TO Rs. 20,000 BY AVAILING:

A. Air Accident Insurance

B. Overseas Medical Insurance

C. Purchase Protection

D. Wallet Protection

  • 24X7 CONCIERGE SERVICE
  • Access over 1,200 Airport Lounges globally that includes the following:

1. The Centurion® Lounge

2. American Express Lounges

3. Priority Pass™ Lounges

4. Delta Sky Club® Lounges when flying Delta

5. Escape Lounges 6. Domestic Partner Lounges in India

  • Avail exclusive deals on airlines such as Emirates, Qatar Airways, Virgin Atlantic, British Airways, Air France, KLM, Delta Airlines and more
  • Complimentary benefits worth Rs. 37,000 at the iconic 5-star properties, which includes guaranteed 4 pm late check-out, room upgrades at check-in when available, daily breakfast for two, WiFi or a special amenity at each property worth US$100. Hotels included are Four Seasons Hotels & Resorts, Mandarin Oriental, The Ritz-Carlton and many more
  • Upgrades to Elite Tier Memberships: Taj InnerCircle Silver Tier, Marriott Bonvoy™ Gold Elite Status, Hilton Honors Gold Status, Radisson Rewards Gold Status, Hertz Gold Plus Rewards
  • For death due to air accident, get Coverage of Rs. 5 Cr, for loss of checked-in baggage, passport or documents., get coverage of Rs. 50,000, and avail complimentary Overseas Medical Insurance for US$ 50,000 for the first seven days of a trip
  • Avail 3X Membership Reward points on everything, every time you spend abroad
  • Access VIP-only events, pre-sale tickets and best seats in the house for concerts, Fashion Weeks, Grammy Awards, Wimbledon and more
  • Access favourite restaurants around the world such as Hakkasan London, Zuma Rome, Nobu New York, Cipriani Dubai and many more
  • Enjoy access to Platinum Fine Dining at restaurants in Delhi/NCR, Mumbai, Bengaluru, Chennai, Kolkata and other cities. Enjoy meals with a glass of wine and/or dessert at restaurants like Masala Bay, Spicy Duck, The Lodhi, Vetro and Enoteca etc
  • Up to 50% off at over 1800 premium restaurants in India with a complimentary membership to EazyDiner Prime. Other privileges include a complimentary drink, preferential reservations & a 24X7 VIP helpline
  • Complimentary access to more than 30+ golf courses across India
  • 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

  • Healthcare Offers are as follows:

1. Up to 20% off on health check-ups, OPD Consultation, dental treatments

2. Discounted stays at villas with wellness experiences

3. 20% off on skincare & beauty products

4. 15% off on pharmacy 

5. Special discounts on spa services at Atmamtan Spa, O2, Tattva

  • Hype Luxury Car Rentals Offers Earn: Avail benefits worth up to Rs. 90,000 annually
  • Fraud protection worth Rs. 15 Lakh and Emergency Hotel and Travel Assistance up to Rs. 2 Lakh and emergency cash in India

Cons

  • Extremely high Annual Fee with no first-year waiver
  • High minimum payment
  • Variable APR/Interest Rates

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


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