Amex Gold Charge vs HDFC Regalia - Detailed comparison

travelhacker OP

travelhacker

2d ago

I've been using both cards for 6 months. Here's my honest comparison:

Amex Gold Charge Card

Pros:

4x MR points on all spends (1.2% effective)

Amazing travel insurance

Global lounge access

Premium customer service

Taj Epicure membership

Cons:

Annual fee ₹10,000+

Lower acceptance in India

No EMI option (charge card)

HDFC Regalia

Pros:

Wide acceptance

4 reward points per ₹150 (2.66%)

Good lounge access

EMI available

Lower annual fee

Cons:

Customer service could be better

Reward redemption can be tricky

Verdict

Use Amex where accepted, HDFC Regalia as backup. Best combo!

5 Comments

pointsguru · 2d ago

Great comparison! I use exactly this combo. Amex acceptance has improved a lot though.

dealseeker · 2d ago

Don't forget Amex offers - they can add significant value.

financewhiz · 2d ago

I prefer Regalia for the accelerated rewards on travel booking through SmartBuy.

financewhiz · 2d ago

Amex customer service is truly in another league. They once helped me during a travel emergency.

dealseeker · 2d ago

For anyone considering Amex - their fraud protection is excellent. Had an issue resolved in 2 hours.