Head-to-head · 🇮🇳 India
Flipkart Axis Bank vs HDFC Regalia
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Axis Bank
Flipkart Axis Bank
Wins 6 of 10
IN
HDFC Bank
HDFC Regalia
VISA
Wins 3 of 10
Verdict
Flipkart Axis Bank wins 6-3. Flipkart loyalists who also use Myntra and Cleartrip HDFC Regalia is still the right call if mid-tier travel without the regalia gold price tag..
Side-by-side
| Criterion | Flipkart Axis Bank | HDFC Regalia |
|---|---|---|
| Annual fee | ₹500 | · ₹2,500 |
| Joining fee | ₹500 | · ₹2,500 |
| Top reward rate | 5% (shopping) | · 2.7% (general) |
| Base reward rate | · 1.5% | 2.7% |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | = ₹500 Flipkart voucher + ₹600 spend bonus on first 90 days | = 2,500 reward points on first 90-day spend |
| Fee waiver threshold | · ₹350,000 / yr | ₹300,000 / yr |
| Min income | ₹360,000 | · ₹1,200,000 |
| Min credit score | 730 | · 770 |
| Editorial rating | 4.4/5 | · 4.3/5 |
Benefits compared
Flipkart Axis Bank
- 5% cashback on Flipkart, Myntra, 2GUD
- 4% cashback on Cleartrip, Swiggy, Uber, PVR, Cult.fit
- 1.5% cashback on every other transaction
- 4 complimentary domestic 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
›Flipkart Axis Bank vs HDFC Regalia: which is better?
Flipkart Axis Bank 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 Flipkart Axis Bank 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?
Flipkart Axis Bank: ₹500 Flipkart voucher + ₹600 spend bonus on first 90 days. HDFC Regalia: 2,500 reward points on first 90-day spend.