Regalia Gold Credit Card
HDFC Bank
Magnus Credit Card
Axis Bank
HDFC Bank
Axis BankMagnus Credit Card leads overall with a CardCheck Score of 84/100 (+2 pts over Regalia Gold Credit Card).
4-Pillar Head-to-Head Breakdown
Regalia vs Magnus- CardCheck Score
- 82
- 84Best
- Rating Verdict
- Excellent
- Excellent
- Reward Power (35%)
- 34/35
- 34/35
- Fee Value & ROI (25%)
- 18/25
- 18/25
- Lounge & Travel (20%)
- 18/20
- 20/20
- Forex & Access (20%)
- 12/20
- 12/20
- Bank
- HDFC Bank
- Axis Bank
- Network
- Mastercard
- Visa
- Card type
- Premium
- Premium
- Best for
- Travel rewards
- Travel & Lifestyle
- Joining fee
- ₹2,500Best
- ₹12,500
- Annual fee
- ₹2,500Best
- ₹12,500
- Fee waiver
- ₹4,00,000Best
- ₹25,00,000
- Interest-free days
- 50
- 50
- APR (min)
- 43.2%
- 36%Best
- APR (max)
- 45%
- 36%Best
- Late payment fee
- ₹1,300
- ₹1,300
- Cash advance fee
- 2.5%
- —
- Reward type
- points
- points
- Min rate
- 1.33%Best
- 1.2%
- Max rate
- 6.67%Best
- 6%
- Points / ₹100
- 2.67
- 6Best
- Point value
- ₹0.5
- ₹0.2
- Monthly cap
- —
- ₹1,50,000
- Domestic lounge / qtr
- 3
- Unlimited
- Lounge spend criteria
- ₹60,000 spend in preceding calendar quarter
- ₹50,000 spend req.
- Intl lounge / year
- 6
- —
- Priority Pass
- DreamFolks
- Forex markup
- 2%
- 2%
- Fuel surcharge waiver
- Metal card
- Contactless
- UPI linked
- Min age
- 21
- 18
- Min income / month
- ₹1,00,000
- ₹2,00,000
- Min CIBIL
- 750
- 750
- Invite only
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 82 | 84Best |
| Rating Verdict | Excellent | Excellent |
| Reward Power (35%) | 34/35 | 34/35 |
| Fee Value & ROI (25%) | 18/25 | 18/25 |
| Lounge & Travel (20%) | 18/20 | 20/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | Axis Bank |
| Network | Mastercard | Visa |
| Card type | Premium | Premium |
| Best for | Travel rewards | Travel & Lifestyle |
03—Fees Differences highlighted | ||
| Joining fee | ₹2,500Best | ₹12,500 |
| Annual fee | ₹2,500Best | ₹12,500 |
| Fee waiver | ₹4,00,000Best | ₹25,00,000 |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 43.2% | 36%Best |
| APR (max) | 45% | 36%Best |
| Late payment fee | ₹1,300 | ₹1,300 |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1.33%Best | 1.2% |
| Max rate | 6.67%Best | 6% |
| Points / ₹100 | 2.67 | 6Best |
| Point value | ₹0.5 | ₹0.2 |
| Monthly cap | — | ₹1,50,000 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 3 | Unlimited |
| Lounge spend criteria | ₹60,000 spend in preceding calendar quarter | ₹50,000 spend req. |
| Intl lounge / year | 6 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 2% | 2% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 18 |
| Min income / month | ₹1,00,000 | ₹2,00,000 |
| Min CIBIL | 750 | 750 |
| Invite only | ||
| Rows won | 05of 09 | 04of 09 |
| Key Specification | Regalia Gold Credit Card | Magnus Credit Card |
|---|---|---|
| CardCheck Score | 82/100Excellent | 84/100Excellent |
| Annual Fee | ₹2,500 | ₹12,500 |
| Fee Waiver Spend | ₹4L/yr | ₹25L/yr |
| Max Reward Potential | 6.67% | 6% |
| Domestic Lounge Access | 3 / quarter | Unlimited |
| International Lounge | 6 / year | Priority Pass (Select) |
| Forex Markup Fee | 2% | 2% |
Choose Regalia Gold Credit Card if:
Your spending centers around travel rewards and you want direct partner rewards with HDFC Bank.
Choose Magnus Credit Card if:
Your spending aligns with travel & lifestyle and you prioritize Axis Bank's redemption benefits.
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Frequently Asked Questions: Regalia Gold Credit Card vs Magnus Credit Card
Which is better: Regalia Gold Credit Card or Magnus Credit Card?
Magnus Credit Card holds a higher overall rating with a CardCheck Score of 84/100 (Excellent) compared to 82/100 (Excellent) for Regalia Gold Credit Card (a lead of +2 points). Magnus Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
How do annual fees and fee waiver spend rules compare?
Regalia Gold Credit Card charges an annual fee of ₹2,500 with an annual spend threshold of ₹4 Lakh for renewal fee waiver. In comparison, Magnus Credit Card charges an annual fee of ₹12,500 with an annual spend threshold of ₹25 Lakh.
How do the reward rates and cashback compare between Regalia Gold Credit Card and Magnus Credit Card?
Regalia Gold Credit Card offers a base reward rate of 1.33% and up to 6.67% on accelerated partner categories. Meanwhile, Magnus Credit Card offers a base rate of 1.2% and up to 6% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
Which card has better airport lounge access: Regalia Gold Credit Card or Magnus Credit Card?
Regalia Gold Credit Card provides 3 complimentary domestic lounge visits per quarter (12/year) and 6 international lounge visits/year with Priority Pass (₹60,000 spend in preceding calendar quarter). On the other hand, Magnus Credit Card provides unlimited complimentary domestic airport lounge access and complimentary Priority Pass for international lounges (requires ₹50,000 spend in the previous period to unlock).
Which card is better for international foreign currency spends?
Regalia Gold Credit Card levies a foreign currency markup fee of 2%, while Magnus Credit Card charges 2%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
Is CardCheck's comparison data unbiased and verified against official bank MITC?
Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).