American Express Platinum Reserve vs HDFC Regalia
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HDFC Regalia wins 5 of 8 dimensions with a CardTrail Score of 8.3/10 vs 7.9/10.
| Feature | American Express Platinum Reserve | HDFC Regalia |
|---|---|---|
| CardTrail Score | 7.9/10 | 8.3/10 |
| Annual Fee | ₹10,000 | ₹2,500 |
| Base Reward Rate | 1% | 1.3% |
| Max Reward Rate | 3% | 13% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 12 | 8 |
| International Lounges | 2 | 6 |
| 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
- You can meet the fee waiver condition: Spend ₹3L/year
- You want higher rewards — up to 13% vs 3%
- Your primary spend is: travel, dining
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's ₹2,500 fee at 1.3% rewards, spend ₹16,026/month.