American Express Platinum Reserve vs HDFC Regalia Gold
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HDFC Regalia Gold wins 6 of 8 dimensions with a CardTrail Score of 8.7/10 vs 7.9/10.
| Feature | American Express Platinum Reserve | HDFC Regalia Gold |
|---|---|---|
| CardTrail Score | 7.9/10 | 8.7/10 |
| Annual Fee | ₹10,000 | ₹2,500 |
| Base Reward Rate | 1% | 1.73% |
| Max Reward Rate | 3% | 3.3% |
| Forex Markup | 3.5% | 2% |
| Domestic Lounges | 12 | 8 |
| International Lounges | 2 | 4 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Amex | Visa Signature |
When to Choose American Express Platinum Reserve
- Airport lounge access matters — 12 domestic visits
- Your primary spend is: travel, dining
When to Choose HDFC Regalia Gold
- You can meet the fee waiver condition: Spend ₹3L/year
- You travel internationally — saves ₹1,500/year on ₹1L forex spend
- You want higher rewards — up to 3.3% vs 3%
- Your primary spend is: travel, dining, general
Forex Cost Comparison
On ₹1,00,000 annual international spending: American Express Platinum Reserve costs ₹4,130 in forex fees vs HDFC Regalia Gold at ₹2,360. You save ₹1,770/year with HDFC Regalia Gold.
Annual Fee Value Analysis
To break even on American Express Platinum Reserve's ₹10,000 fee at 1% rewards, spend ₹83,333/month.
To break even on HDFC Regalia Gold's ₹2,500 fee at 1.73% rewards, spend ₹12,042/month.