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Side-by-Side Comparison|Updated March 2026

HDFC Bank Regalia Gold vs Axis Bank - Flipkart Axis Bank 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 - Flipkart Axis Bank Credit Card

7.2/10
Annual Fee₹500
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank Regalia GoldAxis Bank - Flipkart Axis Bank Credit Card
Annual Fee₹2,500₹500
Joining Fee₹2,500₹500
Fee Waiver Spend₹4,00,000₹3,50,000
Base Reward Rate0.5333333333333334%1%
Reward CurrencyReward PointsCashback
NetworkVisaVisa
Editor Rating8.5/107.2/10
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 - Flipkart Axis Bank Credit Card

  • 0% on Myntra — 4000 pts/month
  • 0% on Flipkart — 4000 pts/month
  • 0% on Cleartrip — 4000 pts/month
  • 0% on Preferred Merchants (Swiggy...

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 - Flipkart Axis Bank Credit Card

Pros

  • 7.5% cashback on Myntra spends (capped at ₹4,000 per quarter)
  • 5% cashback on Flipkart and Cleartrip (capped at ₹4,000 per quarter each)
  • Unlimited 4% cashback on preferred partners like Swiggy, Uber, PVR, and Cult.fit
  • Unlimited 1% cashback on all other eligible spends with no minimum transaction value

Cons

  • Complimentary domestic airport lounge access has been discontinued since June 2025
  • High annual fee waiver threshold of ₹3.5 lakh compared to other entry-level cards
  • Cashback exclusions include fuel, wallet loads, rent, insurance, and utilities

Our Verdict

HDFC Bank Regalia Gold edges ahead overall with a stronger combination of rewards and value. However, Axis Bank - Flipkart Axis Bank 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 - Flipkart Axis Bank Credit Card if

High cashback rates on these platforms make it the best choice for frequent shoppers.

Frequently Asked Questions

Which is better: HDFC Bank Regalia Gold or Axis Bank - Flipkart Axis Bank Credit Card?
HDFC Bank Regalia Gold edges ahead overall with a stronger combination of rewards and value. However, Axis Bank - Flipkart Axis Bank 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 - Flipkart Axis Bank Credit Card?
HDFC Bank Regalia Gold has an annual fee of ₹2,500, while Axis Bank - Flipkart Axis Bank Credit Card has an annual fee of ₹500. HDFC Bank Regalia Gold offers a fee waiver on ₹4,00,000 annual spend. Axis Bank - Flipkart Axis Bank Credit Card offers a fee waiver on ₹3,50,000 annual spend.
Which card has better rewards: HDFC Bank Regalia Gold or Axis Bank - Flipkart Axis Bank 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 - Flipkart Axis Bank Credit Card offers 1% base rewards with bonuses on Myntra and Flipkart. The better choice depends on your primary spending categories.
Can I have both HDFC Bank Regalia Gold and Axis Bank - Flipkart Axis Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Regalia Gold and Axis Bank - Flipkart Axis Bank 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 - Flipkart Axis Bank Credit Card?
For beginners, Axis Bank - Flipkart Axis Bank Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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