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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.
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Last updated: 17 July 2026

Both Axis Bank Horizon Credit Card and HDFC Bank Regalia Gold Credit Card suit travel-focused spenders, but they earn and cost differently. Axis Bank Horizon Credit Card costs ₹3,000 + GST and earns 5 EDGE Miles per ₹100 on travel/airline bookings; 2 EDGE Miles per ₹100 on other spends. 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. Axis Bank Horizon Credit Card also brings 8 visits/quarter (Visa Signature) or 6 visits/quarter (Mastercard World). ₹2/₹25 access fee refunded, while HDFC Bank Regalia Gold Credit Card counters with 12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards. Weigh the fee against the reward rate above to see which fits your spending pattern better.

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
Joining Fee₹2,500 + GST
Renewal Fee₹3,000 + GST
Renewal Fee₹2,500 + GST
Spend Based WaiverNot applicable; there is no spend-based annual fee waiver, meaning the fee must be paid annually.
Spend Based WaiverRenewal Fee waived upon spending ₹4 Lakhs in an anniversary year (12 billing cycles).
Foreign Transaction Fees3.5% of the transaction value on International Non DCC Transactions.
Foreign Transaction Fees2% + GST applies on all international foreign currency transactions.
Interest Rate (APR)3.75% Monthly (55.55% Annually).
Interest Rate (APR)Revolving credit interest rate is 3.75% per month, equating to 45% annually.

Rewards & Benefits

Welcome BonusReceive 5,000 EDGE Miles as a welcome benefit on purchases of ₹1,000 or more within the first 30 days.
Welcome Bonus₹2,500 gift voucher. Complimentary Swiggy One and MMTBLACK Gold Membership on ₹1 Lakh spend in 90 days.
Rewards RateEarn 5 EDGE Miles/₹100 on Travel Edge portal & airline spends; 2 EDGE Reward Points/₹100 on other spends.
Rewards RateEarn 4 RPs on ₹150 retail spend; 20 RPs on ₹150 at Nykaa, Reliance Digital, Myntra, M&S.
Reward TypeAir Miles
Reward TypeReward Points
Reward Redemption FeeNone.
Reward Redemption Fee₹99 + GST is charged per redemption of reward points.

Travel & Lifestyle

Domestic Lounge Access6-8 complimentary visits per calendar quarter for primary cardholder (variant dependent), refundable fee.
Domestic Lounge Access12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards.
International Lounge Access2 complimentary visits per calendar quarter (8 worldwide annually) for primary cardholder, refundable USD 1 fee.
International Lounge Access6 complimentary international lounge visits per year via Priority Pass for primary & add-on members.
Travel BenefitsAccelerated EDGE Miles on travel bookings, complimentary lounge access, and offers on flights & hotels.
Travel BenefitsOffers extensive travel perks including flight vouchers, discounts, and complimentary lounge access.
Movie Benefits
Movie BenefitsNot Applicable
Dining Benefits15% discount via Eazydiner (up to ₹500) and Axis Bank Dining Delights Program.
Dining BenefitsFLAT 10% EXTRA OFF at 35,000+ restaurants. Get ₹200 Off on Swiggy Dineout twice monthly.
Golf Benefits
Golf BenefitsNot Applicable
Fuel Surcharge Waiver1% waiver on fuel transactions between ₹400 and ₹5,000, with a maximum cap of ₹400/month.
Fuel Surcharge WaiverNot Applicable for fuel transactions with this HDFC Bank Regalia Gold Credit Card.

Security & Other

Insurance BenefitsIncludes a lost card liability cover of ₹10 Lakh.
Insurance Benefits₹1 Cr air death cover, ₹15 Lakhs overseas hospitalization, ₹9 Lakhs credit liability cover.
Cash Advance Charges2.5% of the transaction amount, with a minimum of ₹500.
Cash Advance ChargesEither 2.5% of amount or ₹500, whichever of these two values is higher.
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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 Bank Horizon Credit Card is a mid-range, travel-centric card offering generous rewards and travel benefits, ideal for frequent flyers. It provides accelerated EDGE Miles on travel bookings, complimentary domestic and international airport lounge access, and exclusive dining discounts. While it offers valuable welcome benefits and flexible reward redemption, it lacks a spend-based annual fee waiver. This card is a must-have for those seeking an affordable yet rewarding travel credit card option.

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.

Accelerated EDGE Miles on travel bookings, offering a high reward rate for frequent flyers.

Complimentary access to both domestic and international airport lounges for comfortable travel.

Valuable welcome benefits of 5,000 EDGE Miles on initial spends, boosting your rewards.

Attractive dining discounts via Eazydiner and the Axis Bank Dining Delights Program.

Flexible reward redemption options, including transfers to various airline and hotel 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.

No spend-based annual fee waiver, requiring consistent payment of the ₹3,000 + GST fee.

High foreign currency markup of 3.5% on international non-DCC transactions.

Several spend categories like fuel, utilities, and rent are excluded from earning EDGE Miles.

High interest rate of 3.75% monthly (55.55% annually) on outstanding balances.

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.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Axis Bank Horizon Credit Card(opens in new tab)Apply for HDFC Bank Regalia Gold Credit Card(opens in new tab)