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WINNER
HDFC Regalia Gold Credit Card
HDFC Regalia Gold Credit Card
HDFC Bank
VS
Axis Bank Magnus Credit Card
Axis Bank Magnus Credit Card
Axis Bank

HDFC Regalia Gold Credit Card vs Axis Bank Magnus Credit Card

Detailed side-by-side comparison based on fees, rewards, benefits, and real user data.

credit card
Updated Jul 2026
Recommended
94
Overall Score / 100
4.7/5
96
Overall Score / 100
4.8/5

Scoreboard· 7 measured features

5
HDFC Regalia Gold Credit Card
Overall winner
0
Tied
2
Axis Bank Magnus Credit Card

What would you save?· ₹ per year, after fees

50,000
₹5k₹1L₹2L
HDFC Regalia Gold Credit Card
Rewards (3.3%)+ ₹19,800
Annual fee− ₹2,500
Net per year+17,300
Better here
Axis Bank Magnus Credit Card
Rewards (12.0%)+ ₹72,000
Annual fee− ₹12,500
Net per year+59,500
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
HDFC Regalia Gold Credit Card
Axis Bank Magnus Credit Card
Annual Fee
₹2,500
₹12,500
Joining Fee
₹2,500
₹12,500
Reward Rate
Up to 3.3% via SmartBuy, base 1.3%
12X partners, 2X base, up to 5%
Welcome Bonus
2,500 reward points
12,500 Edge Reward Points
Lounge Access
12 visits/year domestic + international
8 per quarter domestic + international
Min. Income
₹1,20,000
₹3,00,000
Min. Credit Score
750
800

InvestingPro Expert Verdict

Based on SEBI-compliant analysis • Affiliate disclosed

Axis Magnus wins for heavy spenders and international travel with 35X partner rewards and unlimited lounges. HDFC Regalia Gold offers better value at ₹2,500 annual fee vs ₹12,500 for Magnus.

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 like lounge access and higher reward rates — best for frequent spenders.
HDFC Regalia Gold Credit Card
HDFC Regalia Gold Credit Card
HDFC Bank

Opens official HDFC Bank website

Axis Bank Magnus Credit Card
Axis Bank Magnus Credit Card
Axis Bank

Opens official Axis Bank website

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.

No paid rankings
Methodology disclosed
SEBI-compliant
Editorial standards