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AU Vetta Credit Card VS Axis Bank Vistara Signature Credit Card VS HDFC Bank Regalia Gold Credit Card

A detailed, side-by-side look at 3 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

AU Vetta Credit Card
AU Vetta Credit Card
Axis Bank Vistara Signature Credit Card
Axis Bank Vistara Signature Credit Card
HDFC Bank Regalia Gold Credit Card
HDFC Bank Regalia Gold Credit Card

Fees & Charges

Joining Fee
₹2,999 + GST
₹3,000 + GST
₹2,500 + GST
Renewal Fee
₹2,999 + GST
₹3,000 + GST
₹2,500 + GST
Spend Based Waiver
First-year fee waived with ₹40,000 retail spend in 90 days. Subsequent years with ₹1.5 lakh spend.
Renewal Fee waived upon spending ₹4 Lakhs in an anniversary year (12 billing cycles).
Foreign Transaction Fees
2.99% of the transaction amount.
3.50% of the transaction value
2% + GST applies on all international foreign currency transactions.
Interest Rate (APR)
3.75% Per Month (45% Per Annum) on revolving credit.
3.6% per month (43.2% APR) for retail purchases & cash advances.
Revolving credit interest rate is 3.75% per month, equating to 45% annually.

Rewards & Benefits

Welcome Bonus
First-year fee waiver on retail spends of ₹40,000 within 90 days of card setup.
1 complimentary Premium Economy Class air ticket voucher & Club Vistara Silver Membership on fee payment.
₹2,500 gift voucher. Complimentary Swiggy One and MMTBLACK Gold Membership on ₹1 Lakh spend in 90 days.
Rewards Rate
Earn 4 Reward Points per ₹100 on grocery & departmental stores, 2 RPs on other retail spends.
4 Club Vistara (CV) Points for every ₹200 spent.
Earn 4 RPs on ₹150 retail spend; 20 RPs on ₹150 at Nykaa, Reliance Digital, Myntra, M&S.
Reward Type
Reward Points
Reward Points
Reward Points
Reward Redemption Fee
A fee of ₹99 + GST applies for reward redemption.
Nil
₹99 + GST is charged per redemption of reward points.

Travel & Lifestyle

Domestic Lounge Access
1 complimentary domestic airport lounge access per quarter on spends of ₹20,000.
2 complimentary domestic airport lounge accesses per quarter (8 per year) at select airports.
12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards.
International Lounge Access
1 complimentary international airport lounge access per quarter via Priority Pass (on request).
6 complimentary international lounge visits per year via Priority Pass for primary & add-on members.
Travel Benefits
Global Concierge Assistance for travel bookings. Comprehensive insurance covers baggage loss, flight delays.
Complimentary Club Vistara Silver Membership, offering priority check-in and additional baggage allowance.
Offers extensive travel perks including flight vouchers, discounts, and complimentary lounge access.
Movie Benefits
Not Applicable
Not Applicable
Dining Benefits
Dedicated concierge services can help with planning anniversary dinners.
25% discount up to ₹800 on dining bills at partner restaurants with Axis Bank EazyDiner Program, once/month.
FLAT 10% EXTRA OFF at 35,000+ restaurants. Get ₹200 Off on Swiggy Dineout twice monthly.
Golf Benefits
Global Concierge Assistance can arrange golf sessions.
3 complimentary rounds of golf per year at premium golf destinations in India.
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel transactions between ₹400-₹5,000, max ₹250 per statement cycle.
1% fee on cumulative fuel transactions of ₹50,000 or more in a statement cycle.
Not Applicable for fuel transactions with this HDFC Bank Regalia Gold Credit Card.

Security & Other

Insurance Benefits
Covers Air Accident (₹50 Lakhs), Card Liability, Credit Shield (₹5 Lakhs), Purchase Protection (₹25,000).
Purchase Protection Cover up to ₹1 lakh; Loss of Travel Documents/Baggage Cover up to $300 each.
₹1 Cr air death cover, ₹15 Lakhs overseas hospitalization, ₹9 Lakhs credit liability cover.
Cash Advance Charges
2.5% of withdrawn amount or ₹500, whichever is higher.
2.5% of the cash amount (Minimum ₹500).
Either 2.5% of amount or ₹500, whichever of these two values is higher.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Vetta Credit Card

Axis Bank Vistara Signature Credit Card

HDFC Bank Regalia Gold Credit Card

Who is it for?

The AU Vetta Credit Card is a premium lifestyle card offering accelerated reward points on grocery and departmental store spends. It provides extensive travel privileges, including complimentary domestic and international lounge access, and a dedicated 24x7 global concierge service. Cardholders also benefit from comprehensive insurance coverage and a waiverable annual fee, making it a well-rounded choice for everyday spending and premium lifestyle needs.

Who is it for?

The Axis Bank Vistara Signature Credit Card is a mid-range travel card ideal for frequent domestic flyers loyal to Vistara. It offers significant value through complimentary Premium Economy tickets, Club Vistara Silver Membership, and generous milestone benefits. Cardholders also enjoy domestic lounge access, dining discounts, and golf privileges, making it a comprehensive choice for travel and lifestyle enhancements.

Who is it for?

The HDFC Bank Regalia Gold Credit Card is a premium lifestyle card designed for high-spenders, offering exclusive travel and shopping benefits. It provides strong reward rates, complimentary lounge access, and valuable milestone rewards, making it ideal for maximizing value on significant expenses. This card offers a comprehensive suite of features for a discerning clientele.

Pros

Key benefits and features.

Offers attractive reward rates on everyday spending like grocery and departmental stores.

Provides extensive complimentary lounge access at airports and railway stations in India.

Includes comprehensive insurance coverage for air accidents, purchase, and card liability.

Dedicated 24x7 global concierge services enhance travel and lifestyle experiences.

Annual fee waiver is easily achievable with moderate retail spending requirements.

Pros

Key benefits and features.

Strong travel benefits with complimentary Premium Economy tickets and Club Vistara Silver Membership.

Generous milestone rewards provide up to four additional Premium Economy tickets annually.

Enjoy 8 complimentary domestic airport lounge accesses per year, enhancing travel comfort.

Valuable lifestyle perks include complimentary golf rounds and attractive dining discounts.

The card offers purchase protection and travel insurance, plus no reward redemption fee.

Pros

Key benefits and features.

Access to exclusive 24/7 concierge service for all travel and lifestyle assistance needs.

Generous lounge access with 12 domestic and 6 international visits annually for cardholders.

Strong reward rates, including 5X accelerated points on preferred partner brands like Nykaa.

Flexible redemption options for flights, hotels, vouchers, airmiles, and even cashback.

Comprehensive insurance benefits covering air death, overseas hospitalization, and credit cover.

Cons

Key drawbacks and limitations.

The AU Vetta Credit Card charges a significant annual fee of ₹2,999 + GST.

A redemption fee of ₹99 + GST is applicable when redeeming AU Vetta Reward Points.

A high foreign currency markup of 2.99% makes international spends less rewarding.

High interest rates apply to revolving credit, reaching up to 45% per annum.

Many transaction types like fuel, rent, and utilities are excluded from earning reward points.

Cons

Key drawbacks and limitations.

Reward earning exclusions apply to common categories like wallet loads, rent, and utility bills.

High transaction fees are levied on fuel, education, utilities, online gaming, rent, and wallet loads.

The foreign currency markup of 3.50% is relatively high for international transactions.

No spend-based waiver for the annual fee, making it a fixed recurring cost.

The card has a high interest rate of 3.6% per month on retail purchases and cash advances.

Cons

Key drawbacks and limitations.

A redemption fee of ₹99 + GST is applicable on all reward point redemptions made.

The annual renewal fee waiver requires a relatively high annual spend of ₹4 Lakhs.

Reward point accrual has maximum caps on grocery and insurance transactions monthly.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.