HDFC Regalia Gold vs Axis Vistara Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Regalia Gold wins 7-2. Mid-tier travel + dining without the Diners Black 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 | HDFC Regalia Gold | Axis Vistara Signature |
|---|---|---|
| Annual fee | ₹2,500 | · ₹3,000 |
| Joining fee | ₹2,500 | · ₹3,000 |
| Top reward rate | 25% (travel) | · 5% (travel) |
| Base reward rate | 4% | · 1% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = Vistara Premium Economy ticket on joining |
| Fee waiver threshold | ₹400,000 / yr | · ₹750,000 / yr |
| Min income | · ₹1,200,000 | ₹600,000 |
| Min credit score | · 770 | 750 |
| Editorial rating | 4.6/5 | · 4.2/5 |
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 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
FAQ
›HDFC Regalia Gold vs Axis Vistara Signature: which is better?
HDFC Regalia Gold wins on more dimensions (7 vs 2). 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 Vistara Signature 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 Vistara Signature: Vistara Premium Economy ticket on joining.