Axis Vistara Signature vs HDFC Regalia
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Regalia wins 6-3. Mid-tier travel without the Regalia Gold price tag. Axis Vistara Signature is still the right call if domestic flyers (vistara was acquired by air india — points convert)..
Side-by-side
| Criterion | Axis Vistara Signature | HDFC Regalia |
|---|---|---|
| Annual fee | · ₹3,000 | ₹2,500 |
| Joining fee | · ₹3,000 | ₹2,500 |
| Top reward rate | 5% (travel) | · 2.7% (general) |
| Base reward rate | · 1% | 2.7% |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | = Vistara Premium Economy ticket on joining | = 2,500 reward points on first 90-day spend |
| Fee waiver threshold | · ₹750,000 / yr | ₹300,000 / yr |
| Min income | ₹600,000 | · ₹1,200,000 |
| Min credit score | 750 | · 770 |
| Editorial rating | · 4.2/5 | 4.3/5 |
Benefits compared
Axis Vistara Signature
- 5 CV points per ₹200 on travel
- Premium Economy class ticket on joining
- Premium Economy class ticket on ₹4.5L spend
- 8 domestic lounge visits/year
- Club Vistara Silver tier on joining
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 Vistara Signature vs HDFC Regalia: which is better?
HDFC Regalia wins on more dimensions (6 vs 3). 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 Vistara Signature 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 Vistara Signature: Vistara Premium Economy ticket on joining. HDFC Regalia: 2,500 reward points on first 90-day spend.