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Side-by-side comparison of HDFC Regalia Gold vs Amex MRCC to help you find the best fit.
Fees & Charges
First Year FeeFREE
Renewal Fee₹2,500
Fee Waiver ConditionOn spend of ₹400,000/yr
First Year Fee₹1,000
Renewal Fee₹4,500
Fee Waiver ConditionOn spend of ₹150,000/yr
Rewards & Benefits
Reward Rate4 reward points per ₹150 & 20 points per ₹150 on select brands
Welcome BonusGift Voucher equivalent to fee amount (₹2,500) + Club Vistara Silver
Lounge Access12 domestic + 6 international visits per year
Fuel Surcharge Waiver
Reward Rate1 MR point per ₹50 spent
Cashback RateVariable (Redeemable for Statement Credit)
Welcome Bonus4,000 MR points on spending ₹15,000 in 90 days
Lounge AccessNone
Fuel Surcharge Waiver
Eligibility
Min Income₹100,000/month
Min Credit Score750
Eligible For
salaried
self employed
Min Income₹50,000/month
Min Credit Score700
Eligible For
salaried
self employed
Top Features
- 12 domestic & 6 international lounge visits per year
- 5X rewards on Myntra, Nykaa, M&S, and Reliance Digital
- ₹1,500 vouchers on quarterly spends of ₹1.5L
- 1% fuel surcharge waiver
Categories
RewardsTravelPremium
- 1,000 bonus points for 4 transactions of ₹1,500+ monthly
- Gold Collection: Redeem 18k/24k points for high-value vouchers
- Zero lost card liability
- 50% fee waiver at ₹90,000 annual spend
Categories
RewardsPremium