Head-to-head · 🇮🇳 India
Axis ACE vs HDFC Regalia
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Axis Bank
Axis ACE
VISA
Wins 7 of 10
IN
HDFC Bank
HDFC Regalia
VISA
Wins 2 of 10
Verdict
Axis ACE wins 7-2. Bill payments + utilities + fuel — set-and-forget cashback HDFC Regalia is still the right call if mid-tier travel without the regalia gold price tag..
Side-by-side
| Criterion | Axis ACE | HDFC Regalia |
|---|---|---|
| Annual fee | ₹499 | · ₹2,500 |
| Joining fee | ₹499 | · ₹2,500 |
| Top reward rate | 4% (fuel) | · 2.7% (general) |
| Base reward rate | · 1.5% | 2.7% |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | = Up to ₹2,000 cashback on first 60-day spends | = 2,500 reward points on first 90-day spend |
| Fee waiver threshold | ₹200,000 / yr | · ₹300,000 / yr |
| Min income | ₹360,000 | · ₹1,200,000 |
| Min credit score | 750 | · 770 |
| Editorial rating | 4.5/5 | · 4.3/5 |
Benefits compared
Axis ACE
- 5% cashback on Google Pay bill payments (electricity, gas, broadband, mobile, DTH)
- 4% cashback on Swiggy, Zomato, Ola
- 2% cashback on every other transaction
- 4 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waiver
HDFC Regalia
- 4 reward points per ₹150
- 12 domestic + 6 international lounge visits/year
- Low forex markup 2%
- Buy-1-get-1 BookMyShow tickets
- Milestone reward points at ₹1L, ₹5L
FAQ
›Axis ACE vs HDFC Regalia: which is better?
Axis ACE wins on more dimensions (7 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Axis ACE for its best categories, HDFC Regalia for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Axis ACE: Up to ₹2,000 cashback on first 60-day spends. HDFC Regalia: 2,500 reward points on first 90-day spend.