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Side-by-Side Comparison|Updated March 2026

HDFC Bank Regalia Gold vs Axis Bank Magnus Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

HDFC Bank

HDFC Bank Regalia Gold

8.5/10
Annual Fee₹2,500
Base Rewards0.5333333333333334%
NetworkVisa
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Axis Bank

Axis Bank Magnus Credit Card

8/10
Annual Fee₹12,500
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank Regalia GoldAxis Bank Magnus Credit Card
Annual Fee₹2,500₹12,500
Joining Fee₹2,500₹12,500
Fee Waiver Spend₹4,00,000₹25,00,000
Base Reward Rate0.5333333333333334%0.2%
Reward CurrencyReward PointsEDGE Reward Points
NetworkVisaVisa
Editor Rating8.5/108/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Regalia Gold

  • 0% on Lifestyle Brands
  • 0% on SmartBuy Hotels
  • 0% on SmartBuy Flights

Axis Bank Magnus Credit Card

No accelerated rewards listed

Pros & Cons

HDFC Bank Regalia Gold

Pros

  • High reward rate of up to 13.3% on select lifestyle brands like Myntra and Nykaa.
  • Comprehensive lounge access with 12 domestic and 6 international visits annually.
  • Generous milestone benefits including up to ₹10,000 in flight vouchers per year.
  • Low foreign currency markup of 2% compared to the standard 3.5%.

Cons

  • Reward points expire after 2 years, requiring active management.
  • Base reward rate is relatively modest at 1.33% for general spends.
  • No reward points on fuel, rent, and wallet loads.

Axis Bank Magnus Credit Card

Pros

  • High reward rate of 17.5 EDGE points per ₹200 on spends above ₹1.5 Lakhs monthly.
  • Unlimited domestic and international lounge access for primary and add-on cardholders.
  • Low foreign currency markup fee of 2% for international transactions.
  • Welcome benefit voucher worth ₹12,500 effectively offsets the joining fee.

Cons

  • Significant devaluation in 2024 removed monthly milestone bonuses and concierge services.
  • High annual fee waiver threshold of ₹25 Lakhs is difficult for most users to reach.
  • Reward points transfer ratio to air miles reduced from 5:4 to 5:2 for non-Burgundy users.

Our Verdict

HDFC Bank Regalia Gold edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Magnus Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose HDFC Bank Regalia Gold if

Offers extensive lounge access and high-value flight vouchers through milestones.

Choose Axis Bank Magnus Credit Card if

Best value is unlocked after crossing the ₹1.5 Lakh monthly spend threshold.

Frequently Asked Questions

Which is better: HDFC Bank Regalia Gold or Axis Bank Magnus Credit Card?
HDFC Bank Regalia Gold edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Magnus Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank Regalia Gold and Axis Bank Magnus Credit Card?
HDFC Bank Regalia Gold has an annual fee of ₹2,500, while Axis Bank Magnus Credit Card has an annual fee of ₹12,500. HDFC Bank Regalia Gold offers a fee waiver on ₹4,00,000 annual spend. Axis Bank Magnus Credit Card offers a fee waiver on ₹25,00,000 annual spend.
Which card has better rewards: HDFC Bank Regalia Gold or Axis Bank Magnus Credit Card?
HDFC Bank Regalia Gold offers a base reward rate of 0.5333333333333334% with accelerated rewards on Lifestyle Brands and SmartBuy Hotels. Axis Bank Magnus Credit Card offers 0.2% base rewards. The better choice depends on your primary spending categories.
Can I have both HDFC Bank Regalia Gold and Axis Bank Magnus Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Regalia Gold and Axis Bank Magnus Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Regalia Gold or Axis Bank Magnus Credit Card?
For beginners, HDFC Bank Regalia Gold may be more approachable with a lower annual fee of ₹2,500. However, evaluate based on your expected spending pattern rather than fee alone.

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