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Credit CardsComparisons

Axis Bank Magnus vs HDFC Regalia Gold Credit Card

A head-to-head comparison of Axis Bank Magnus and HDFC Regalia Gold Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

PremiumCard A

Axis Bank Magnus

Frequent International Travelers

Annual Fee
₹12,500
Reward Rate
EDGE Rewards
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PremiumCard B

HDFC Regalia Gold Credit Card

Mid-Premium Lifestyle

Annual Fee
₹2,500
Reward Rate
5 RP per ₹200 (~1.625% effective, from May 2026)
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Feature comparison

FeatureAxis BankHDFC Regalia
Annual Fee₹12,500 (Waived on ₹25L spend)₹2,500 + GST (Waived on ₹4L spend)
Reward RateEDGE Rewards5 RP per ₹200 (~1.625% effective, from May 2026)
Best ForFrequent International TravelersMid-Premium Lifestyle
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAxis BankHDFC Regalia
Domestic travel
International travel
Everyday spending
Airport lounge access

Quick verdict

Choose Axis Bank Magnus if:

  • You spend heavily on international travel
  • You spend heavily on concierge service

Choose HDFC Regalia Gold Credit Card if:

  • Lower annual fee (₹2,500 vs ₹12,500)
  • You spend heavily on everyday spending
  • You spend heavily on domestic travel

Full pros & cons

Axis Bank Magnus

What's good
  • Airport meet-and-greet concierge service across India
  • Excellent travel insurance coverage
  • Unlimited international lounge access
Watch out for
  • Domestic lounge access is heavily spend-gated (₹50K in prior 3 months)
  • Monthly milestone bonus program eliminated in September 2023 — was the biggest value driver
  • EDGE Miles transfer ratios halved (5:4 → 5:2); Accor, Marriott, Qatar Airways removed as partners (April 2026)
  • Fee waiver requires very high ₹25L annual spend (excluding wallet, fuel, rent, utilities)
  • ~2% forex markup on international transactions — better than standard 3.5% but not zero-forex
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HDFC Regalia Gold Credit Card

What's good
  • 12 domestic + 6 international lounge visits per year via Priority Pass
  • Milestone rewards up to ₹16,000/year: ₹1,500 per ₹1.5L quarterly + ₹5,000 each at ₹5L and ₹7.5L annual spend
  • New Travel Edge benefit: upload boarding passes to unlock spa, Uber vouchers, ITC dining, and hotel upgrades
Watch out for
  • From May 2026, reward rate drops to 5 RP per ₹200 (1.625%) — spends under ₹200 earn zero points
  • From July 2026, domestic lounge access requires ₹60,000 quarterly spend to unlock 3 visits
  • Forex markup of 2% + GST (~2.36%) is uncompetitive for international travel
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