Both cards compared on real rupee returns for Axis Select vs HDFC Regalia Gold credit card which better lounge access premium rewards card India. We ran the numbers so you can make the right call.
Last updated: October 2026 · Based on current card terms
AXIS
SELECT
ASHOK KUMAR
VS
HDFC
REGALIA GOLD
ASHOK KUMAR
Our verdict
HDFC Regalia Gold Credit Card wins for most people
Card B wins with ₹2,375 annual benefit versus Card A's ₹1,560. Despite Card A's higher earn rate on retail, Card B's broader earning across all categories and lower fee make it the better value for this spend profile.
Side-by-side comparison
Axis Bank Select Credit CardHDFC Regalia Gold Credit Card ✓
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition →20 EDGE Reward Points per ₹200 (about 2%) on retail spends up to ₹20,000 a month, then 10 points per ₹200 (about 1%); no points on fuel, insurance, gold, government, education, utilities or wallet spends. Axis values 10,000 EDGE Points at ₹2,000, so 1 point is worth ₹0.20. The 20-point rate and the ₹20,000 monthly limit come from third-party review sites, as Axis's own page did not show them when we checked5 reward points per ₹200 on all spends (1.625%); 5X on Nykaa, Myntra, Marks & Spencer, Reliance Digital
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition →2 complimentary domestic lounge visits per quarter, gated behind ₹50,000 spend in the preceding 3 calendar months (waived for the month of issue and the next 3 months), plus a Priority Pass membership with 6 international visits a year and 6 more on ₹3 lakh annual spend (12 in total); a ₹2 validation charge applies per domestic visit on Visa; all confirmed from Axis Bank's own lounge program and Priority Pass terms12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter)
Best forHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAll-round premium card with travel perks and lifestyle rewards
Choose Card A if you spend over ₹20,000 monthly on retail and value premium travel perks like Priority Pass lounge access. The 2% earn rate on shopping rewards frequent retail spenders despite category exclusions.
HDFC Regalia Gold Credit Card
Choose Card B for consistent rewards across all spending categories without earning gaps. Its 1.625% return across utilities, fuel, and groceries—where Card A earns nothing—maximizes your ₹25,000 monthly spend.
· High earners (₹6L+ income) targeting ₹3L+ annual spend to waive fees
· Those seeking 2% earn rate on fashion and shopping categories
Get HDFC Regalia Gold if you…
· Balanced spenders who want consistent rewards across all categories
· Those who spend on utilities and fuel where Card A earns zero points
· Budget-conscious premium cardholders with lower fee structure
Partner offer
IDFC FIRST Ashva Credit Card
Frequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the app
Based on our analysis, HDFC Regalia Gold Credit Card offers better annual returns for most spend profiles.
Axis Bank Select Credit Card has an annual fee of ₹3,000 + GST joining and annual (waived on ₹8L annual spend). HDFC Regalia Gold Credit Card has an annual fee of ₹2,500 + taxes (waived on ₹4,00,000/year spend).
Axis Bank Select Credit Card offers 20 EDGE Reward Points per ₹200 (about 2%) on retail spends up to ₹20,000 a month, then 10 points per ₹200 (about 1%); no points on fuel, insurance, gold, government, education, utilities or wallet spends. Axis values 10,000 EDGE Points at ₹2,000, so 1 point is worth ₹0.20. The 20-point rate and the ₹20,000 monthly limit come from third-party review sites, as Axis's own page did not show them when we checked. HDFC Regalia Gold Credit Card offers 5 reward points per ₹200 on all spends (1.625%); 5X on Nykaa, Myntra, Marks & Spencer, Reliance Digital.
Axis Bank Select Credit Card lounge access: 2 complimentary domestic lounge visits per quarter, gated behind ₹50,000 spend in the preceding 3 calendar months (waived for the month of issue and the next 3 months), plus a Priority Pass membership with 6 international visits a year and 6 more on ₹3 lakh annual spend (12 in total); a ₹2 validation charge applies per domestic visit on Visa; all confirmed from Axis Bank's own lounge program and Priority Pass terms. HDFC Regalia Gold Credit Card lounge access: 12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter).