Head-to-head · 🇮🇳 India
HDFC Regalia vs Axis Reserve
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Regalia
VISA
Wins 5 of 10
IN
Premium
Axis Bank
Axis Reserve
VISA
Wins 4 of 10
Verdict
HDFC Regalia wins 5-4. Mid-tier travel without the Regalia Gold price tag. Axis Reserve is still the right call if invitation-only super-premium — for ₹25l+/year spenders..
Side-by-side
| Criterion | HDFC Regalia | Axis Reserve |
|---|---|---|
| Annual fee | ₹2,500 | · ₹50,000 |
| Joining fee | ₹2,500 | · ₹50,000 |
| 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 | = 50,000 EDGE points + Taj Epicure membership |
| Fee waiver threshold | ₹300,000 / yr | · ₹2,500,000 / yr |
| Min income | ₹1,200,000 | · ₹5,000,000 |
| Min credit score | 770 | · 820 |
| Editorial rating | · 4.3/5 | 4.7/5 |
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 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 vs Axis Reserve: which is better?
HDFC Regalia 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 Reserve 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 Reserve: 50,000 EDGE points + Taj Epicure membership.