HDFC Regalia vs Axis Bank Magnus: Lifestyle and Travel Benefits Compared

Both HDFC Regalia and Axis Bank Magnus credit cards  are among India’s most popular lifestyle and travel credit cards. Each card offers premium features designed for frequent travelers and high-spending users. This comparison helps you choose which one aligns better with your lifestyle and spending patterns.

Feature Comparison

Feature HDFC Regalia Credit Card Axis Bank Magnus Credit Card

Annual Fee

₹2,500

₹5,000

Welcome Benefits

2,500 reward points

10,000 EDGE reward points

Travel & Dining Rewards

4 points per ₹150 spent on dining and travel

5 points per ₹150 spent on travel, dining, and lifestyle

Airport Lounge Access

6 domestic + 1 international lounge per year

Unlimited domestic + 2 international lounge visits

Reward Redemption

Flights, hotels, vouchers

Travel, shopping, and luxury experiences

Concierge Service

Not available

24x7 concierge for travel, dining, and entertainment

Fuel Surcharge Waiver

1% on fuel transactions

1% on fuel transactions

Key Differences

  • HDFC Regalia: Offers premium benefits at a moderate annual fee. Perfect for travelers who prefer a balance between cost and rewards.
  • Axis Bank Magnus: A luxury card offering a wide range of lifestyle perks, higher reward points, and unlimited lounge access.
  • Exclusive Benefits: Magnus includes concierge services and greater flexibility in reward redemption, while Regalia focuses on essential travel and dining rewards.

Which Card Should You Choose?

  • Choose HDFC Regalia if you want a premium travel card without a high annual fee.
  • Choose Axis Bank Magnus if you prefer a luxury lifestyle card with more travel, dining, and concierge benefits.

Tips to Maximize Benefits

  1. Use Regalia for frequent travel and hotel bookings to earn more reward points.
  2. Use Magnus for premium dining, entertainment, and international travel to enjoy lounge and concierge benefits.
  3. Redeem points for flights or hotel stays to get higher value.

Track annual spending to make sure the rewards offset the annual fee.

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