Head-to-head · 🇮🇳 India
HDFC Regalia vs Axis MyZone
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Regalia
VISA
Wins 4 of 10
IN
Axis Bank
Axis MyZone
VISA
Wins 5 of 10
Verdict
Axis MyZone wins 5-4. Entry-tier with strong entertainment partnerships. HDFC Regalia is still the right call if mid-tier travel without the regalia gold price tag..
Side-by-side
| Criterion | HDFC Regalia | Axis MyZone |
|---|---|---|
| Annual fee | · ₹2,500 | ₹500 |
| Joining fee | · ₹2,500 | ₹500 |
| Top reward rate | 2.7% (general) | · 1% (general) |
| Base reward rate | 2.7% | · 1% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points on first 90-day spend | = ₹500 SonyLIV / Eros Now subscription |
| Fee waiver threshold | · ₹300,000 / yr | ₹100,000 / yr |
| Min income | · ₹1,200,000 | ₹240,000 |
| Min credit score | · 770 | 720 |
| Editorial rating | 4.3/5 | · 4/5 |
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 MyZone
- Buy-1-get-1 BookMyShow tickets up to ₹500/transaction
- 40% off on Swiggy (capped ₹120)
- Sony LIV / Eros Now annual subscription
- 4 reward points per ₹200
- 1% fuel surcharge waiver
FAQ
›HDFC Regalia vs Axis MyZone: which is better?
Axis MyZone 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 HDFC Regalia for its best categories, Axis MyZone 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 MyZone: ₹500 SonyLIV / Eros Now subscription.