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Comparison · हिन्दी

HDFC Regalia Gold vs Axis Magnus

Both cards compared on real rupee returns for best all-round premium credit card India. We ran the numbers so you can make the right call.

Last updated: October 2026 · Based on current card terms
HDFC
REGALIA GOLD
ASHOK KUMAR
VS
AXIS
MAGNUS
ASHOK KUMAR
Our verdict
HDFC Regalia Gold Credit Card wins for most people
Card A wins with ₹3,935 annual benefit versus Card B's -₹8,036 loss. For your ₹33k monthly spend, Card A's lower fee and simpler rewards structure deliver clear value.
Side-by-side comparison
HDFC Regalia Gold Credit Card ✓ Axis Magnus Credit Card
Annual benefit ₹3,935 -₹8,036
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹2,500 + taxes (waived on ₹4,00,000/year spend) ₹12,500 + taxes (waived on ₹25L spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 5 reward points per ₹200 on all spends (1.625%); 5X on Nykaa, Myntra, Marks & Spencer, Reliance Digital 12 EDGE Reward points per ₹200 on monthly spends up to ₹1.5 lakh and 35 per ₹200 above that; 5X on Travel EDGE bookings; 5 points transfer to 2 partner miles across 20 travel partners
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter) Unlimited (domestic + international)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2% 2%
Best for All-round premium card with travel perks and lifestyle rewards Premium travel and miles
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹1L/month (salaried) ₹18L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+ 750+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
HDFC Regalia Gold Credit Card
Choose Card A when you value straightforward cashback without high annual fees. Its 1.625% base rewards and 5X multipliers on shopping sites work well for regular spenders who won't breach the ₹4L waiver threshold.
Axis Magnus Credit Card
Card B suits only those with 25L+ annual spend who maximize premium travel perks through partner airlines and exclusive Axis benefits. For your current ₹33k/month profile, the high fee isn't justified.
Who should get which card
Get HDFC Regalia Gold if you…
· Lower ₹2,500 fee with easier waiver at ₹4L annual spend
· Consistent 1.625% rewards across all categories
· 5X multipliers on popular shopping platforms like Nykaa and Myntra
· Better for mid-range spenders without frequent premium travel
Get Axis Magnus if you…
· Premium travel benefits and airline lounge access
· Higher rewards rate (6% equivalent) on spends above ₹1.5L monthly
· Miles transfer to 20 global travel partners
· Only justified if annual spend exceeds ₹25 lakh
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
Apply now →
IDFC
ASHOK KUMAR

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Related guides
Axis Bank Select vs HDFC Regalia Gold →Axis Magnus vs Kotak White Reserve →HDFC Regalia vs Axis Magnus →HDFC Regalia vs HDFC Regalia Gold →Best Travel Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Amazon and Flipkart →
Frequently asked questions
Based on our analysis, HDFC Regalia Gold Credit Card offers better annual returns for most spend profiles.
HDFC Regalia Gold Credit Card has an annual fee of ₹2,500 + taxes (waived on ₹4,00,000/year spend). Axis Magnus Credit Card has an annual fee of ₹12,500 + taxes (waived on ₹25L spend).
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 Magnus Credit Card offers 12 EDGE Reward points per ₹200 on monthly spends up to ₹1.5 lakh and 35 per ₹200 above that; 5X on Travel EDGE bookings; 5 points transfer to 2 partner miles across 20 travel partners.
HDFC Regalia Gold Credit Card lounge access: 12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter). Axis Magnus Credit Card lounge access: Unlimited (domestic + international).
HDFC Regalia Gold Credit Card charges 2% forex markup. Axis Magnus Credit Card charges 2% forex markup.