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Axis Bank Horizon Credit Card VS HDFC Bank Regalia Gold Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

Axis Bank Horizon Credit Card
Axis Bank Horizon Credit Card
HDFC Bank Regalia Gold Credit Card
HDFC Bank Regalia Gold Credit Card

Fees & Charges

Joining Fee
₹3,000 + GST
₹2,500 + GST
Renewal Fee
₹3,000 + GST
₹2,500 + GST
Spend Based Waiver
No spend-based annual fee waiver; fee must be paid annually.
Renewal Fee waived upon spending ₹4 Lakhs in an anniversary year (12 billing cycles).
Foreign Transaction Fees
3.50% of transaction value on International Non DCC Transactions; 1.5% + taxes on DCC.
2% + GST applies on all international foreign currency transactions.
Interest Rate (APR)
3.75% per month (equivalent to 55.55% annually) for finance charges.
Revolving credit interest rate is 3.75% per month, equating to 45% annually.

Rewards & Benefits

Welcome Bonus
5,000 EDGE Miles credited on first transaction of ₹1,000+ within 30 days of card issuance.
₹2,500 gift voucher. Complimentary Swiggy One and MMTBLACK Gold Membership on ₹1 Lakh spend in 90 days.
Rewards Rate
Earn 5 EDGE Miles per ₹100 on travel/airline bookings; 2 EDGE Miles per ₹100 on other spends.
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 Redemption Fee
Not Applicable
₹99 + GST is charged per redemption of reward points.

Travel & Lifestyle

Domestic Lounge Access
8 visits/quarter (Visa Signature) or 6 visits/quarter (Mastercard World). ₹2/₹25 access fee refunded.
12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards.
International Lounge Access
2 complimentary airport lounge visits per calendar quarter (8 annually). USD 1 transaction, later refunded.
6 complimentary international lounge visits per year via Priority Pass for primary & add-on members.
Travel Benefits
Accelerated rewards on travel, complimentary airport lounge access, and discounts on flights/hotels.
Offers extensive travel perks including flight vouchers, discounts, and complimentary lounge access.
Movie Benefits
Not Applicable
Not Applicable
Dining Benefits
15% discount (up to ₹500) via Axis Bank Dining Delights. 10% off on Swiggy every Wednesday.
FLAT 10% EXTRA OFF at 35,000+ restaurants. Get ₹200 Off on Swiggy Dineout twice monthly.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel transactions (₹400-₹5000), capped at ₹400 per month.
Not Applicable for fuel transactions with this HDFC Bank Regalia Gold Credit Card.

Security & Other

Insurance Benefits
Includes Lost Card Liability cover of INR 10 Lakh.
₹1 Cr air death cover, ₹15 Lakhs overseas hospitalization, ₹9 Lakhs credit liability cover.
Cash Advance Charges
2.5% of transaction amount, with a minimum of INR 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.

Axis Bank Horizon Credit Card

HDFC Bank Regalia Gold Credit Card

Who is it for?

The Axis Horizon Credit Card is a travel-centric offering with generous rewards and travel benefits, ideal for frequent travelers. It provides accelerated 5 EDGE Miles per ₹100 on travel expenses and extensive complimentary access to both domestic and international airport lounges. While it comes with a ₹3,000 + GST joining and annual fee without a waiver, its strong travel-focused rewards and benefits make it a compelling mid-range option for those seeking a rewarding travel credit card.

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.

Generous welcome benefit of 5,000 EDGE Miles provides significant initial value.

High reward rate of 5 EDGE Miles for every ₹100 on travel and airline bookings.

Extensive complimentary lounge access for a comfortable travel experience.

Valuable dining discounts and Wednesday offers enhance lifestyle benefits.

1:1 conversion ratio for EDGE Miles to a wide range of loyalty partners.

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.

Annual fee of ₹3,000 + GST with no spend-based waiver is a significant drawback.

No EDGE Miles on key categories like Utilities, Rent, Fuel, and Wallet transactions.

An annual limit of 500,000 EDGE Miles on transfers to partner points applies.

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.