Flipkart Axis Bank vs HDFC Regalia Gold
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Flipkart Axis Bank wins 5-4. Flipkart loyalists who also use Myntra and Cleartrip HDFC Regalia Gold is still the right call if mid-tier travel + dining without the diners black price tag.
Side-by-side
| Criterion | Flipkart Axis Bank | HDFC Regalia Gold |
|---|---|---|
| Annual fee | ₹500 | · ₹2,500 |
| Joining fee | ₹500 | · ₹2,500 |
| Top reward rate | · 5% (shopping) | 25% (travel) |
| Base reward rate | · 1.5% | 4% |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | = ₹500 Flipkart voucher + ₹600 spend bonus on first 90 days | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher |
| Fee waiver threshold | ₹350,000 / yr | · ₹400,000 / yr |
| Min income | ₹360,000 | · ₹1,200,000 |
| Min credit score | 730 | · 770 |
| Editorial rating | · 4.4/5 | 4.6/5 |
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 Gold
- 5x reward points on travel + dining via SmartBuy
- 4 complimentary international lounge visits per year (Priority Pass)
- 12 complimentary domestic lounge visits per year
- Annual memberships: Club Vistara Silver, MMT Black Elite
- Low forex markup: 2%
- Milestone benefits at ₹1.5L, ₹3L and ₹4L spend
FAQ
›Flipkart Axis Bank vs HDFC Regalia Gold: which is better?
Flipkart Axis Bank wins on more dimensions (5 vs 4). 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 Gold 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 Gold: 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher.