AU Vetta Credit Card VS Axis Bank Vistara Signature Credit Card VS HDFC Bank Regalia Gold Credit Card
Comparing 3 cards side by side: AU Vetta Credit Card, Axis Bank Vistara Signature Credit Card, HDFC Bank Regalia Gold Credit Card. AU Vetta Credit Card costs ₹2,999 + GST and earns 4 Reward Points per ₹100 on grocery & departmental stores, 2 RPs on other retail spends. Axis Bank Vistara Signature Credit Card costs ₹3,000 + GST and earns 4 Club Vistara (CV) Points for every ₹200 spent. HDFC Bank Regalia Gold Credit Card costs ₹2,500 + GST and earns 4 RPs on ₹150 retail spend; 20 RPs on ₹150 at Nykaa, Reliance Digital, Myntra, M&S. Compare the fee and reward differences above against your priority spend category — travel, dining, shopping, or fuel — to pick the right fit.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
AU Vetta Credit Card
Axis Bank Vistara Signature Credit Card
HDFC Bank Regalia Gold Credit Card
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
High reward rate of 4X points on grocery and departmental store purchases, maximizing savings.
Enjoy complimentary domestic and international airport lounge access, enhancing travel comfort.
Benefit from comprehensive insurance coverage, including air accident and purchase protection.
Access a dedicated 24x7 global concierge service for travel, dining, and golf assistance.
Attractive milestone benefits reward consistent spending with bonus points and brand vouchers.
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.
Reward points are not earned on essential categories like fuel, rent, education, and government spends.
Complimentary lounge access is conditional on achieving specific quarterly spending thresholds.
A redemption fee of ₹99 + GST is applicable for every reward point redemption transaction.
The foreign currency markup of 2.99% is standard and not competitive for international use.
High interest rate of 2.99% per month on revolving credit can be a significant drawback.
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.