“HDFC Regalia” today usually means the active flagship variant, HDFC Bank Regalia Gold, for new applicants. The older HDFC Bank Regalia card is no longer sourced for new customers; existing holders keep their product on bank terms.
This article compares HDFC Bank Regalia Gold Credit Card with Axis Bank Magnus Credit Card using the same structured fields CardCheck stores from issuer disclosures (fees, published earn rules, lounge counts, forex, eligibility floors). Snapshot date: 2026-04-06. Banks change benefits; always confirm on the issuer site and MITC before you apply.
Compare these two cards side-by-side opens both products in our comparison tool. Apply buttons on each card page use a tracked redirect to the bank’s application flow.
Cards in this comparison
Compare now
Quick comparison (from the catalog)
| Topic | Regalia Gold | Magnus |
|---|---|---|
| Card page | HDFC Bank Regalia Gold Credit Card | Axis Bank Magnus Credit Card |
| Joining fee | ₹2,500 + taxes | ₹12,500 + taxes |
| Annual fee | ₹2,500 + taxes | ₹12,500 + taxes |
| Annual fee waiver (spend target) | ₹4,00,000 in a year (per bank rules) | ₹15,00,000 in a year (per bank rules) |
| Forex markup | 2% | 2% |
| Published APR band (retail) | 42% p.a. | 52.86% p.a. |
| Interest-free days (where listed) | 50 | — |
| Domestic airport lounges (published) | 12 visits per calendar year via DreamFolks (catalog copy; ≈3 per quarter equivalent) | 8 per quarter (up to 32 visits in a full year if you use every quarter’s quota) via DreamFolks |
| International lounges (published) | 6 visits per calendar year via Priority Pass | Unlimited international Priority Pass visits for primary cardholder; guest rules per Axis (catalog lists self + 2 guests free per visit in key benefits) |
| Minimum income in catalog | ₹1,00,000 / month (HDFC also quotes higher bars for non–government salaried on its site) | ₹1,50,000 / month |
| Minimum CIBIL in catalog | 750 | 750 |
| Age range in catalog | 21–65 | 21–70 |
| Reward type | points | miles |
Rounded fees and taxes: GST or other levies are additional wherever the issuer quotes “plus applicable taxes.”
Rewards: points vs EDGE Miles
Regalia Gold (points): the catalog lists a base of 4 reward points per ₹150 on retail spends, with higher multiples on SmartBuy travel and on selected partner brands (Myntra, Nykaa, Reliance Digital, etc.), all subject to HDFC’s programme terms. Redemption value depends on whether you redeem for travel on SmartBuy, catalogue products, or statement credit — the bank publishes different rupee-equivalents per point by channel. The catalog also records a cap of 50,000 reward points that can be earned in a single statement cycle.
Magnus (miles): the catalog lists 12 EDGE Miles per ₹200 on Axis Travel EDGE bookings, 6 EDGE Miles per ₹200 on other online and international spends, and 1.5 EDGE Miles per ₹200 on other domestic offline spends. Exclusions in our data include fuel, EMI, wallet loads, rent, gold or jewellery, insurance, government, and utilities — miles do not accrue there. A 10,000 EDGE Miles joining benefit is described as redeemable for about ₹5,000 in flights (per Axis copy in the catalog). Miles transfer to airline partners; the overview text notes an effective transfer ratio context (confirm current partners and ratios on Axis channels).
Neither card should be chosen on headline “max rate” alone. Rewards calculator lets you plug in your own monthly spends; the estimate still depends on how much of your spend falls into excluded categories and on caps.
Lounges and travel posture
Regalia Gold is positioned as a strong mid-premium travel card at a much lower fee: 12 domestic visits per year and 6 international Priority Pass visits per year in the catalog. That is enough for a few trips a year, not unlimited airport time.
Magnus is positioned for heavy lounge users: 8 domestic visits per quarter in the catalog plus unlimited international Priority Pass visits with guest privileges as described in Axis key benefits. The annual fee is five times Regalia Gold’s published fee before waiver, and the spend target to waive that fee is much higher (₹15 lakh vs ₹4 lakh in the catalog).
If you mostly need forex savings, both cards list a 2% forex markup in the catalog — the difference is lounge access, miles flexibility, and total annual cost.
Which one fits you?
Choose HDFC Bank Regalia Gold Credit Card if you want a ₹2,500-fee-tier card, can meet the lower ₹4 lakh annual spend waiver target, and your travel pattern fits roughly a dozen domestic and half a dozen international lounge visits per year. It suits professionals who redeem heavily through HDFC SmartBuy travel and accept HDFC’s point-value rules.
Choose Axis Bank Magnus Credit Card if you spend at a level where a ₹12,500 fee (or ₹15 lakh waiver) is justified, you book travel through Axis Travel EDGE and partner transfers, and you will actually use frequent domestic and unlimited international lounge access. The catalog’s income floor is higher than Regalia Gold’s minimum field, which matches a more selective applicant profile.
If you already hold legacy HDFC Regalia (non-Gold), your benefits and forex markup may differ from Regalia Gold; see the separate card page for that variant in the directory.
Sources and limitations
All numbers in this post were generated from the CardCheck JSON catalog at publish time. They are not personalised advice. Approval, credit limit, and live promotions are decided by the banks.
Key benefits bullets stored in the catalog are summaries of issuer programmes; the MITC and product pages on HDFC Bank and Axis Bank websites remain the legal reference.
FAQ
- Is “HDFC Regalia” the same as Regalia Gold?
For new applicants, HDFC currently promotes Regalia Gold; the older Regalia product is not sourced for new applications according to HDFC’s public copy. This comparison uses Regalia Gold as the Regalia-family product in our database.
- Does Magnus really have unlimited international lounges?
Our catalog’s key benefits for Axis Magnus describe unlimited international Priority Pass visits for the primary cardholder with guest rules. Always confirm current guest charges and enrolment steps on Axis Bank’s latest terms.
- Which card has the better reward rate?
It depends on spend mix. Magnus earns EDGE Miles at different rates for travel portal, online or international, and offline domestic spends. Regalia Gold earns reward points per rupee spent with accelerators on SmartBuy and partners. Use the on-site calculator with your actual numbers rather than comparing headline percentages.
- Why link to /cards/ instead of the bank URL directly?
CardCheck card pages show the full fee and benefit context next to the Apply control. Apply still sends you to the issuer through our redirect flow so we can keep the database aligned with what users see.