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Axis Bank Magnus 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 HDFC Bank Regalia Gold Credit Card and Axis Bank Magnus Credit Card suit travel-focused spenders, but they earn and cost differently. 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 Magnus Credit Card costs ₹12,500 + GST and earns 12 EDGE RPs per ₹200 on retail spends up to ₹1.5L/month, then 35 RPs. 60 RPs per ₹200 on Travel EDGE Portal. HDFC Bank Regalia Gold Credit Card also brings 12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards, while Axis Bank Magnus Credit Card counters with unlimited complimentary domestic airport lounge access (spend ₹50,000 in preceding 3 months). If shopping spending matters more, go with HDFC Bank Regalia Gold Credit Card; if premium is the priority, Axis Bank Magnus Credit Card fits better.

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

Fees & Charges

Joining Fee₹12,500 + GST
Joining Fee₹2,500 + GST
Renewal Fee₹12,500 + GST
Renewal Fee₹2,500 + GST
Spend Based WaiverAnnual membership fee waived on expenditure of ₹25 Lakhs or more in the preceding anniversary year (₹30 Lakhs for Burgundy variant).
Spend Based WaiverRenewal Fee waived upon spending ₹4 Lakhs in an anniversary year (12 billing cycles).
Foreign Transaction Fees2% of the total transaction amount.
Foreign Transaction Fees2% + GST applies on all international foreign currency transactions.
Interest Rate (APR)3.0% per month (42.58% annually) on extended credit.
Interest Rate (APR)Revolving credit interest rate is 3.75% per month, equating to 45% annually.

Rewards & Benefits

Welcome BonusChoose any one gift voucher worth ₹12,500 from Luxe, Yatra, or Postcard Hotels.
Welcome Bonus₹2,500 gift voucher. Complimentary Swiggy One and MMTBLACK Gold Membership on ₹1 Lakh spend in 90 days.
Rewards Rate12 EDGE RPs per ₹200 on retail spends up to ₹1.5L/month, then 35 RPs. 60 RPs per ₹200 on Travel EDGE Portal.
Rewards RateEarn 4 RPs on ₹150 retail spend; 20 RPs on ₹150 at Nykaa, Reliance Digital, Myntra, M&S.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption Fee₹99 + GST is charged per redemption of reward points.

Travel & Lifestyle

Domestic Lounge AccessUnlimited complimentary domestic airport lounge access (spend ₹50,000 in preceding 3 months). 4 complimentary guest visits annually.
Domestic Lounge Access12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards.
International Lounge AccessUnlimited complimentary international airport lounge access with Priority Pass membership. 4 complimentary guest visits annually.
International Lounge Access6 complimentary international lounge visits per year via Priority Pass for primary & add-on members.
Travel BenefitsUnlimited complimentary domestic and international airport lounge access. Discounted stays at Oberoi and Leela Palace Hotels.
Travel BenefitsOffers extensive travel perks including flight vouchers, discounts, and complimentary lounge access.
Movie Benefits
Movie BenefitsNot Applicable
Dining Benefits15% discount (up to ₹1,000 via Eazydiner) at over 4,000 restaurants under Axis Dining Delights.
Dining BenefitsFLAT 10% EXTRA OFF at 35,000+ restaurants. Get ₹200 Off on Swiggy Dineout twice monthly.
Golf Benefits4 complimentary rounds of green fees per calendar year (max 1 per month) via Mastercard World Program.
Golf BenefitsNot Applicable
Fuel Surcharge Waiver1% fuel surcharge waived for transactions between ₹400 and ₹4,000. Max waiver ₹400 per month.
Fuel Surcharge WaiverNot Applicable for fuel transactions with this HDFC Bank Regalia Gold Credit Card.

Security & Other

Insurance BenefitsCredit Shield protection worth ₹5 Lakh, Purchase protection worth ₹2 Lakh, Lost/Delayed Baggage coverage of $500.
Insurance Benefits₹1 Cr air death cover, ₹15 Lakhs overseas hospitalization, ₹9 Lakhs credit liability cover.
Cash Advance ChargesNil (interest charges are applicable).
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 Magnus Credit Card

HDFC Bank Regalia Gold Credit Card

Who is it for?

The Axis Bank Magnus Credit Card is a super-premium offering designed for high-income individuals seeking a luxurious lifestyle. It provides extensive travel benefits, including unlimited domestic and international airport lounge access, and a competitive 2% foreign currency markup. Cardholders enjoy a robust rewards program with accelerated earnings on travel and dining discounts. With comprehensive insurance and an annual fee waiver based on spending, it's ideal for those who frequently travel and spend big.

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.

Unlimited international and domestic lounge access for primary and add-on cardholders.

Reduced foreign currency markup fee of 2% makes international spends more economical.

Comprehensive insurance benefits including Credit Shield cover and purchase protection.

Lifetime Free option for eligible Axis Bank Burgundy Salary Account holders.

The Burgundy variant offers an improved 5:4 reward point transfer ratio for travel.

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.

High annual income requirement of ₹24 Lakhs makes it inaccessible for many applicants.

No golf benefits are explicitly listed in the main product details, unlike other premium cards.

Several benefits like movie BOGO offers and concierge services have been removed recently.

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 Magnus Credit Card(opens in new tab)Apply for HDFC Bank Regalia Gold Credit Card(opens in new tab)