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Axis Bank Vistara Signature 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: 30 June 2026

Both Axis Bank Vistara Signature Credit Card and HDFC Bank Regalia Gold Credit Card suit travel-focused spenders, but they earn and cost differently. 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. Axis Bank Vistara Signature Credit Card also brings 2 complimentary domestic airport lounge accesses per quarter (8 per year) at select airports, 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 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₹3,000 + GST
Joining Fee₹2,500 + GST
Renewal Fee₹3,000 + GST
Renewal Fee₹2,500 + GST
Spend Based Waiver
Spend Based WaiverRenewal Fee waived upon spending ₹4 Lakhs in an anniversary year (12 billing cycles).
Foreign Transaction Fees3.50% of the transaction value
Foreign Transaction Fees2% + GST applies on all international foreign currency transactions.
Interest Rate (APR)3.6% per month (43.2% APR) for retail purchases & cash advances.
Interest Rate (APR)Revolving credit interest rate is 3.75% per month, equating to 45% annually.

Rewards & Benefits

Welcome Bonus1 complimentary Premium Economy Class air ticket voucher & Club Vistara Silver Membership on fee payment.
Welcome Bonus₹2,500 gift voucher. Complimentary Swiggy One and MMTBLACK Gold Membership on ₹1 Lakh spend in 90 days.
Rewards Rate4 Club Vistara (CV) Points for every ₹200 spent.
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 Access2 complimentary domestic airport lounge accesses per quarter (8 per year) at select airports.
Domestic Lounge Access12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards.
International Lounge Access
International Lounge Access6 complimentary international lounge visits per year via Priority Pass for primary & add-on members.
Travel BenefitsComplimentary Club Vistara Silver Membership, offering priority check-in and additional baggage allowance.
Travel BenefitsOffers extensive travel perks including flight vouchers, discounts, and complimentary lounge access.
Movie Benefits
Movie BenefitsNot Applicable
Dining Benefits25% discount up to ₹800 on dining bills at partner restaurants with Axis Bank EazyDiner Program, once/month.
Dining BenefitsFLAT 10% EXTRA OFF at 35,000+ restaurants. Get ₹200 Off on Swiggy Dineout twice monthly.
Golf Benefits3 complimentary rounds of golf per year at premium golf destinations in India.
Golf BenefitsNot Applicable
Fuel Surcharge Waiver1% fee on cumulative fuel transactions of ₹50,000 or more in a statement cycle.
Fuel Surcharge WaiverNot Applicable for fuel transactions with this HDFC Bank Regalia Gold Credit Card.

Security & Other

Insurance BenefitsPurchase Protection Cover up to ₹1 lakh; Loss of Travel Documents/Baggage Cover up to $300 each.
Insurance Benefits₹1 Cr air death cover, ₹15 Lakhs overseas hospitalization, ₹9 Lakhs credit liability cover.
Cash Advance Charges2.5% of the cash amount (Minimum ₹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 Vistara Signature Credit Card

HDFC Bank Regalia Gold Credit Card

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.

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 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.

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