HDFC Regalia Gold vs Axis Magnus
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Regalia Gold wins 7-1. Mid-tier travel + dining without the Diners Black 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 | HDFC Regalia Gold | Axis Magnus |
|---|---|---|
| Annual fee | ₹2,500 | · ₹12,500 |
| Joining fee | ₹2,500 | · ₹12,500 |
| Top reward rate | 25% (travel) | · 12% (travel) |
| Base reward rate | · 4% | 4.8% |
| Forex markup | = 2% | = 2% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = 12,500 EDGE Reward Points + ₹10,000 Tata CLiQ voucher |
| Fee waiver threshold | ₹400,000 / yr | · ₹2,500,000 / yr |
| Min income | ₹1,200,000 | · ₹1,800,000 |
| Min credit score | 770 | · 780 |
| Editorial rating | 4.6/5 | · 4.3/5 |
Benefits compared
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
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
FAQ
›HDFC Regalia Gold vs Axis Magnus: which is better?
HDFC Regalia Gold wins on more dimensions (7 vs 1). 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 HDFC Regalia Gold for its best categories, Axis Magnus for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Regalia Gold: 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher. Axis Magnus: 12,500 EDGE Reward Points + ₹10,000 Tata CLiQ voucher.