HDFC Regalia vs Axis Burgundy Private
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Axis Burgundy Private wins 6-3. Private-banking-tied super-premium — fee waived with banking AUM. HDFC Regalia is still the right call if mid-tier travel without the regalia gold price tag..
Side-by-side
| Criterion | HDFC Regalia | Axis Burgundy Private |
|---|---|---|
| Annual fee | · ₹2,500 | No annual fee |
| Joining fee | · ₹2,500 | None |
| Top reward rate | · 2.7% (general) | 5% (general) |
| Base reward rate | · 2.7% | 5% |
| Forex markup | · 2% | No FX fee |
| Welcome bonus | = 2,500 reward points on first 90-day spend | = Burgundy Private banking relationship + 50K points |
| Fee waiver threshold | ₹300,000 / yr | · N/A (no fee) |
| Min income | ₹1,200,000 | · ₹10,000,000 |
| Min credit score | 770 | · 800 |
| Editorial rating | · 4.3/5 | 4.6/5 |
Benefits compared
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
Axis Burgundy Private
- 5 EDGE points per ₹100
- Unlimited international + domestic lounge access
- Annual fee waived for Burgundy Private clients (₹5Cr+ AUM)
- 0% forex markup on travel via Travel EDGE
- Dedicated relationship manager + concierge
FAQ
›HDFC Regalia vs Axis Burgundy Private: which is better?
Axis Burgundy Private 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 for its best categories, Axis Burgundy Private for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Regalia: 2,500 reward points on first 90-day spend. Axis Burgundy Private: Burgundy Private banking relationship + 50K points.