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Comparison · हिन्दी

HDFC Regalia vs Axis Magnus

Both cards compared on real rupee returns for premium travel and dining rewards. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
HDFC
REGALIA
ASHOK KUMAR
VS
AXIS
MAGNUS
ASHOK KUMAR
Our verdict
HDFC Regalia Credit Card wins for most people
Card A wins with ₹3,638 annual benefit versus Card B's -₹2,852 loss. For your ₹23,000 monthly spend, HDFC Regalia's lower fee and better rewards on dining/shopping make it the clear winner.
Side-by-side comparison
HDFC Regalia Credit Card ✓ Axis Magnus Credit Card
Annual benefit ₹3,638 -₹2,852
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 ₹3L 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 → 4 reward points per ₹150 spent; 2X on dining and international 12 EDGE Miles per ₹200; 5X on travel partners
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 12 visits/year (domestic + international) 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 Premium rewards and lounge access Premium travel and miles
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹6L+ per year ₹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 Credit Card
Choose Card A if you spend under ₹25L annually. Its ₹2,500 fee is easily waived at ₹3L yearly spend, and 4 points per ₹150 on general shopping plus 2X on dining matches your profile perfectly.
Axis Magnus Credit Card
Card B suits only if you have substantial travel bookings through Axis partners or consistently spend ₹25L+ annually to waive its ₹12,500 fee. Your current ₹23,000/month spend doesn't justify its premium cost.
Who should get which card
Get HDFC Regalia if you…
· Lower annual fee (₹2,500) easily waived at just ₹3L spend
· Better rewards on dining (2X) matching your ₹8,000 monthly spend
· Positive annual benefit of ₹3,638 vs Card B's loss
· Premium lounge access with reasonable fee requirement
Get Axis Magnus if you…
· Only if you book travel exclusively through Axis partners for 5X miles
· Only if annual spend exceeds ₹25L to waive the ₹12,500 fee
· Only if you prioritize accumulating EDGE Miles for premium redemptions
· Not recommended for current ₹23,000/month spend profile
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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Axis Magnus vs Kotak White Reserve →HDFC Regalia vs SBI Card ELITE →HDFC Regalia vs HDFC Regalia Gold →Axis Magnus vs Axis Bank Atlas →Best Dining Credit Cards →Best Travel Credit Cards →Best Credit Cards for Swiggy and Zomato →
Frequently asked questions
Based on our analysis, HDFC Regalia Credit Card offers better annual returns for most spend profiles.
HDFC Regalia Credit Card has an annual fee of ₹2,500 + taxes (waived on ₹3L spend). Axis Magnus Credit Card has an annual fee of ₹12,500 + taxes (waived on ₹25L spend).
HDFC Regalia Credit Card offers 4 reward points per ₹150 spent; 2X on dining and international. Axis Magnus Credit Card offers 12 EDGE Miles per ₹200; 5X on travel partners.
HDFC Regalia Credit Card lounge access: 12 visits/year (domestic + international). Axis Magnus Credit Card lounge access: Unlimited (domestic + international).
HDFC Regalia Credit Card charges 2% forex markup. Axis Magnus Credit Card charges 2% forex markup.