Axis Bank Select Credit Card vs HDFC Bank Regalia Gold Credit Card
Last verified 20 Oct 2026 · how we compare
Side by side
| Feature | Axis Bank Select Credit Card | HDFC Bank Regalia Gold Credit Card |
|---|---|---|
| Issuer | Axis Bank | HDFC Bank |
| Joining fee | ₹3,000 | ₹2,500 |
| Annual fee | ₹3,000 | ₹2,500 |
| Fee waiver | Annual fee waived if you spend ₹8 lakh in the previous card year. Rent, wallet loads, gift cards, utility and telecom bills, government payments, insurance, gold and jewellery, fuel, education, EMI conversions and cash withdrawals don't count towards it. Both fees are nil for Axis Burgundy account holders (no welcome points on that version); if you lose Burgundy status, the ₹3,000 fee applies. Paid cards get 10,000 EDGE Reward points (worth ₹2,000) on the first transaction within 30 days of issue. | Renewal fee waived if you spend ₹4 lakh or more in the 12 billing cycles before your renewal date. No joining fee waiver is offered. |
| Everyday spends (value back) | 1% | 1.25% |
| Online shopping (value back) | 1% | 1.25% |
| Fuel (value back) | 0% | 0% |
| Groceries (value back) | 2% | 1.25% |
| Travel (value back) | 1% | 1.25% |
| Bills and utilities (value back) | 0% | 1.25% |
| Dining and food delivery (value back) | 1% | 1.25% |
| Rewards in short | 10 EDGE Reward points per ₹200 on most spends, and 20 per ₹200 at department stores, grocery stores and clothing stores on the first ₹20,000 of such spend a month. Axis values the welcome points at ₹0.20 each, so that's about 1% and 2% back. Spend ₹3 lakh in a card year for 5,000 bonus points (₹1,000). Fuel, utility and telecom bills, insurance, rent, wallet loads, education, government payments, gold and jewellery, gift cards and tolls earn nothing. | 5 reward points per ₹200: about 1.25% back if you use the points for flights and hotels on HDFC SmartBuy (₹0.50 a point), or 0.375% as statement credit (₹0.15 a point). 5X points at Myntra, Nykaa, Reliance Digital and Marks & Spencer. Fuel, rent, wallet loads and government payments earn nothing. |
| Works on UPI | No | No |
| Airport lounge | 8 domestic visits a year (2 a quarter) at Axis's listed lounges once you've spent ₹50,000 in the previous 3 calendar months; a new card needs no spend in its month of issue and the next 3 months. 6 international visits a card year with Priority Pass, 12 in a card year you spend over ₹3 lakh. Priority Pass renews only after ₹3 lakh of spend in the previous card year. Guests pay. | 12 domestic lounge visits a year (3 a calendar quarter), unlocked each quarter by spending ₹60,000 in the previous calendar quarter; 6 international visits a year outside India through Priority Pass with no spend condition (ask HDFC Bank for the Priority Pass card). |
| Forex markup | 3.5% | 2% |
| Fuel surcharge waiver | 1% waiver on fuel transactions of ₹400 to ₹4,000, up to ₹400 per statement cycle. GST on the surcharge isn't refunded, fuel earns no points, and a 1% fee applies once fuel spend passes ₹50,000 in a statement cycle. | No fuel surcharge waiver is listed for this card, and fuel earns no points. A 1% fee applies to single fuel transactions above ₹15,000. |
| Card network | Not published by the bank | Not published by the bank |
| Minimum income (salaried) | ₹50,000 a month | ₹1,50,000 a month |
Value back is the % of spend you get at the bank's published redemption value. “–” means the bank doesn't publish it. Fees exclude GST.
Which one to pick
Pick the Axis Bank Select Credit Card if
your income is below Regalia Gold's ₹1.5 lakh a month, or you spend a lot at grocery and clothing stores
₹3,000 joining, ₹3,000 a year
Pick the HDFC Bank Regalia Gold Credit Card if
you qualify on income and want the easier fee waiver, a lower forex markup and points on bills
₹2,500 joining, ₹2,500 a year
CreditParakh is not a bank or lender. Approval, limits and final terms are decided by the issuer.
Questions people ask
Which earns more, Axis Select or HDFC Regalia Gold?
On most spends, Regalia Gold: 5 points per ₹200 is about 1.25% when used for flights and hotels on SmartBuy (₹0.50 a point), or 0.375% as statement credit. Select earns 10 points per ₹200, about 1% at ₹0.20 a point, and 2% at grocery, department and clothing stores on the first ₹20,000 of such spend a month. Regalia Gold adds 5X points at Myntra, Nykaa, Reliance Digital and Marks & Spencer, within 5,000 extra points a month.
Which has better lounge access?
They're close. Regalia Gold gives 3 domestic visits a calendar quarter, each unlocked by ₹60,000 of spend in the previous quarter, and 6 international Priority Pass visits a year with no spend condition. Select gives 2 domestic visits a quarter after ₹50,000 of spend in the previous 3 calendar months, and 6 international visits a card year (12 in a year you spend over ₹3 lakh), but its Priority Pass renews only after ₹3 lakh of spend in the previous card year.
Who can get each card?
Select needs a net income of ₹6 lakh a year, age 18 to 70. Regalia Gold needs a gross monthly income above ₹1.5 lakh for salaried applicants aged 21 to 60 (above ₹1 lakh for government employees), or an IT return above ₹18 lakh a year for self-employed applicants aged 21 to 65. HDFC's FAQ calls the salaried figure net income, so confirm with the bank.
Do they earn on bills and fuel?
Regalia Gold earns on utility and telecom bills, up to 2,000 points a month on each; Select earns nothing on them. Neither earns on fuel or rent. Select waives the 1% fuel surcharge on ₹400 to ₹4,000 transactions, up to ₹400 a statement cycle; Regalia Gold lists no fuel surcharge waiver.
Full details: Axis Bank Select Credit Card · HDFC Bank Regalia Gold Credit Card · find the card that fits your spending
Last verified 20 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.