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| Feature | HDFC Bank HDFC Regalia Gold Credit Card | Axis Bank Axis Bank Magnus Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | Axis Bank |
| Network | Visa | Visa + RuPay |
| Annual fee | ₹2,500 + GST per year | ₹12,500 + GST per year |
| Annual fee waiver | At ₹4,00,000 annual spending | At ₹25,00,000 annual spending |
| Base reward rate | 0.4% | 1.2% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | Maximum points per statement cycle: ₹7,500/statement cycle | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Eligible for merchant UPI payments |
| Airport lounge access | 12 domestic airport lounge visits per year • 6 international airport lounge visits per year | Unlimited domestic airport lounge visits • Unlimited international airport lounge visits |
| Forex markup | 2% | 2% |
| Monthly income requirement | Approx. ₹1,50,000/month salaried · ₹1,50,000/month self-employed | Approx. ₹2,00,000/month |
| Terms verified | 14 Sept 2026 | 23 Sept 2026 |
| Best suited to | Salaried executives and families spending ₹40,000+ monthly with regular travel needs. | High spenders who use lounges frequently and can extract value from Travel EDGE transfers. |
| Main trade-off | GainFair uses the lowest current published statement-credit value of ₹0.15 per point by default; travel and Gold Catalogue values require the matching redemption route. | The ₹12,500 fee and ₹25 lakh waiver threshold are very high. Most catalogue redemptions value points at ₹0.20, transfer ratios vary, and regulated categories plus accelerated-portal spend have detailed exclusions. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
