HDFC Regalia Gold vs Axis Bank SELECT Credit Card: Which Premium Card Suits You Best

If you love luxury travel, fine dining, and exclusive privileges, HDFC Regalia Gold and Axis Bank SELECT credit cards stand out among India’s top premium cards. Both offer high reward value, travel perks, and lifestyle privileges — but they cater to slightly different spending habits.

Let’s compare them in detail.

Feature Comparison

Feature HDFC Regalia Gold Credit Card Axis Bank SELECT Credit Card

Annual Fee

₹2,500 (waived on spends above ₹3 lakh/year)

₹3,000 (waived on spends above ₹6 lakh/year)

Welcome Benefits

Complimentary memberships (Amazon Prime, Swiggy One, MMT BLACK, Times Prime)

₹5,000 worth of complimentary vouchers

Reward Points

4 reward points per ₹150 spent

10 EDGE Reward Points per ₹200 spent

Lounge Access

12 domestic + 6 international per year

8 domestic + 6 international per year

Travel Benefits

Complimentary flight vouchers and insurance cover

Complimentary Priority Pass and airport transfer benefits

Dining Benefits

Up to 15% off at partner restaurants via Good Food Trail Program

20% off at partner restaurants via EazyDiner

Fuel Surcharge Waiver

1% on transactions between ₹400–₹5,000

1% on transactions between ₹400–₹4,000

Key Differences

  • HDFC Regalia Gold: Focuses more on travel rewards, memberships, and lounge access. Perfect for frequent flyers who prefer flexible reward redemption.
  • Axis Bank SELECT: Offers higher everyday value for urban spenders through EDGE Rewards and better dining discounts.
  • Annual Fee Waiver: Easier to achieve with HDFC Regalia Gold since the spend requirement is lower.

Which Card Should You Choose?

  • Choose HDFC Regalia Gold if you travel frequently, prefer a mix of lifestyle memberships, and want easy access to global lounges.
  • Choose Axis Bank SELECT if you prioritize dining, entertainment, and everyday spending rewards in India.

Tips to Maximize Benefits

  1. Use HDFC Regalia Gold for travel and hotel bookings to maximize point value.
  2. Use Axis Bank SELECT for dining, shopping, and entertainment to earn high EDGE rewards.
  3. Redeem reward points for air miles or flight tickets for maximum value.
  4. Track your annual spending to get fee waivers and maintain card value.

Related Articles

Latest Post