HDFC Regalia Gold vs Axis Reserve
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Regalia Gold wins 6-3. Mid-tier travel + dining without the Diners Black price tag Axis Reserve is still the right call if invitation-only super-premium — for ₹25l+/year spenders..
Side-by-side
| Criterion | HDFC Regalia Gold | Axis Reserve |
|---|---|---|
| Annual fee | ₹2,500 | · ₹50,000 |
| Joining fee | ₹2,500 | · ₹50,000 |
| Top reward rate | 25% (travel) | · 5% (general) |
| Base reward rate | · 4% | 5% |
| Forex markup | · 2% | No FX fee |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = 50,000 EDGE points + Taj Epicure membership |
| Fee waiver threshold | ₹400,000 / yr | · ₹2,500,000 / yr |
| Min income | ₹1,200,000 | · ₹5,000,000 |
| Min credit score | 770 | · 820 |
| Editorial rating | · 4.6/5 | 4.7/5 |
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 Reserve
- 5 EDGE points per ₹100 (effectively 5%)
- Unlimited international + domestic lounge visits
- Taj Epicure + ITC Culinaire memberships
- Concierge 24x7 globally
- 0% forex markup on first ₹15L of FX/year
- Annual ₹25K vouchers at milestones
FAQ
›HDFC Regalia Gold vs Axis Reserve: which is better?
HDFC Regalia Gold 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 HDFC Regalia Gold for its best categories, Axis Reserve 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 Reserve: 50,000 EDGE points + Taj Epicure membership.