Head-to-head · 🇮🇳 India
Axis Magnus vs HDFC Regalia
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
Axis Bank
Axis Magnus
Wins 2 of 10
IN
HDFC Bank
HDFC Regalia
VISA
Wins 5 of 10
Verdict
HDFC Regalia wins 5-2. Mid-tier travel without the Regalia Gold price tag. Axis Magnus is still the right call if high-spenders post-2024 devaluation — still solid for ₹2l+/month travel..
Side-by-side
| Criterion | Axis Magnus | HDFC Regalia |
|---|---|---|
| Annual fee | · ₹12,500 | ₹2,500 |
| Joining fee | · ₹12,500 | ₹2,500 |
| Top reward rate | 12% (travel) | · 2.7% (general) |
| Base reward rate | 4.8% | · 2.7% |
| Forex markup | = 2% | = 2% |
| Welcome bonus | = 12,500 EDGE Reward Points + ₹10,000 Tata CLiQ voucher | = 2,500 reward points on first 90-day spend |
| Fee waiver threshold | · ₹2,500,000 / yr | ₹300,000 / yr |
| Min income | · ₹1,800,000 | ₹1,200,000 |
| Min credit score | · 780 | 770 |
| Editorial rating | = 4.3/5 | = 4.3/5 |
Benefits compared
Axis Magnus
- 12 EDGE points per ₹200 on travel via TravelEdge portal
- 4.8 EDGE points per ₹200 on general spend
- Unlimited international + domestic lounge access (Priority Pass)
- Buy 1 get 1 BookMyShow tickets monthly (capped 5)
- Annual ₹10,000 milestone vouchers from Tata CLiQ
- Concierge 24x7 + golf 4x/month
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 Magnus vs HDFC Regalia: which is better?
HDFC Regalia wins on more dimensions (5 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 Magnus 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 Magnus: 12,500 EDGE Reward Points + ₹10,000 Tata CLiQ voucher. HDFC Regalia: 2,500 reward points on first 90-day spend.