Axis Bank Magnus Credit Card
Axis Bank
VS
WINNER
HDFC Regalia Gold Credit Card
HDFC Bank
Axis Bank Magnus Credit Card vs HDFC Regalia Gold Credit Card
Detailed side-by-side comparison based on fees, rewards, benefits, and real user data.
credit card
Updated May 2026
96
Overall Score / 100
4.8/5
Recommended
94
Overall Score / 100
4.7/5
Scoreboard· 7 measured features
2
Axis Bank Magnus Credit Card
0
Tied
5
HDFC Regalia Gold Credit Card
Overall winner
What would you save?· ₹ per year, after fees
₹50,000
₹5k₹1L₹2L
Better here
Axis Bank Magnus Credit Card
Rewards (12.0%)+ ₹72,000
Annual fee− ₹12,500
Net per year+₹59,500
HDFC Regalia Gold Credit Card
Rewards (3.3%)+ ₹19,800
Annual fee− ₹2,500
Net per year+₹17,300
Axis Bank Magnus Credit Card gives you ₹42,200 more per year at this spend level.
Estimates use the headline reward rate. Real rewards depend on category-wise spend, monthly caps, and welcome-bonus eligibility. See the full T&C on the issuer's website before applying.
Feature-by-Feature Comparison
Feature
Axis Bank Magnus Credit Card
HDFC Regalia Gold Credit Card
Annual Fee
₹12,500
₹2,500
Joining Fee
₹12,500
₹2,500
Reward Rate
12X partners, 2X base, up to 5%
Up to 3.3% via SmartBuy, base 1.3%
Welcome Bonus
12,500 Edge Reward Points
2,500 reward points
Lounge Access
8 per quarter domestic + international
12 visits/year domestic + international
Min. Income
₹3,00,000
₹1,20,000
Min. Credit Score
800
750
InvestingPro Expert Verdict
Based on SEBI-compliant analysis • Affiliate disclosed
Comparison verdict currently unavailable. Please check back later.
Who Should Get Which?
💰
Choose HDFC Regalia Gold Credit Card
Lower annual fees — ideal for budget-conscious users who want value without high costs.
✈️
Choose Axis Bank Magnus Credit Card
Higher fee but more premium perks — best for power users who maximize rewards.
Disclaimer: This comparison is for informational purposes only. Product details may change; verify on official bank websites before applying. InvestingPro may earn affiliate commission on approved applications. Not SEBI registered investment advice.