Axis Cashback Credit Card vs Regalia Gold Credit Card
Axis Bank · HDFC Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreGood
Annual Fee₹1,000
Max Reward7%
HDFC BankScoreVery Good
Annual Fee₹2,500
Max Reward2%
Regalia Gold Credit Card leads overall with a CardCheck Score of 72/100 (+7 pts over Axis Cashback Credit Card).
4-Pillar Head-to-Head Breakdown
Axis vs RegaliaReward Power
35%Axis35/35
Regalia24/35
Axis Wins
Fee Value & ROI
25%Axis18/25
Regalia18/25
Tie (18/25)
Lounge & Travel
20%Axis4/20
Regalia18/20
Regalia Wins
Forex & Access
20%Axis8/20
Regalia12/20
Regalia Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 65
- 72Best
- Rating Verdict
- Good
- Very Good
- Reward Power (35%)
- 35/35
- 24/35
- Fee Value & ROI (25%)
- 18/25
- 18/25
- Lounge & Travel (20%)
- 4/20
- 18/20
- Forex & Access (20%)
- 8/20
- 12/20
02—Basic Info
- Bank
- Axis Bank
- HDFC Bank
- Network
- —
- Mastercard
- Card type
- Regular
- Premium
- Best for
- heavy online shoppers
- Premium everyday spends — rewards, lounge access and low forex
03—Fees
- Joining fee
- ₹1,000Best
- ₹2,500
- Annual fee
- ₹1,000Best
- ₹2,500
- Fee waiver
- ₹4,00,000
- ₹4,00,000
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- 55.55%
- 42%Best
- APR (max)
- 55.55%
- 42%Best
- Late payment fee
- ₹1,200
- —
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- cashback
- points
- Min rate
- 0.5%
- 1%Best
- Max rate
- 7%Best
- 2%
- Point value
- ₹0.2
- —
- Monthly cap
- ₹4,000
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- 3Best
- Intl lounge / year
- 0
- 6Best
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 2%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 18
- 21
- Min income / month
- —
- ₹1,00,000
- Min CIBIL
- 750
- 750
- Invite only
Rows won
03of 10
07of 10
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 65 | 72Best |
| Rating Verdict | Good | Very Good |
| Reward Power (35%) | 35/35 | 24/35 |
| Fee Value & ROI (25%) | 18/25 | 18/25 |
| Lounge & Travel (20%) | 4/20 | 18/20 |
| Forex & Access (20%) | 8/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | HDFC Bank |
| Network | — | Mastercard |
| Card type | Regular | Premium |
| Best for | heavy online shoppers | Premium everyday spends — rewards, lounge access and low forex |
03—Fees Differences highlighted | ||
| Joining fee | ₹1,000Best | ₹2,500 |
| Annual fee | ₹1,000Best | ₹2,500 |
| Fee waiver | ₹4,00,000 | ₹4,00,000 |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 55.55% | 42%Best |
| APR (max) | 55.55% | 42%Best |
| Late payment fee | ₹1,200 | — |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | cashback | points |
| Min rate | 0.5% | 1%Best |
| Max rate | 7%Best | 2% |
| Point value | ₹0.2 | — |
| Monthly cap | ₹4,000 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | 3Best |
| Intl lounge / year | 0 | 6Best |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 2%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 18 | 21 |
| Min income / month | — | ₹1,00,000 |
| Min CIBIL | 750 | 750 |
| Invite only | ||
| Rows won | 03of 10 | 07of 10 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Axis Cashback Credit Card | Regalia Gold Credit Card |
|---|---|---|
| CardCheck Score | 65/100Good | 72/100Very Good |
| Annual Fee | ₹1,000 | ₹2,500 |
| Fee Waiver Spend | ₹4L/yr | ₹4L/yr |
| Max Reward Potential | 7% | 2% |
| Domestic Lounge Access | None | 3 / quarter |
| International Lounge | None | 6 / year |
| Forex Markup Fee | 3.5% | 2% |
Choose Axis Cashback Credit Card if:
Your spending centers around heavy online shoppers and you want direct partner rewards with Axis Bank.
Choose Regalia Gold Credit Card if:
Your spending aligns with premium everyday spends — rewards, lounge access and low forex and you prioritize HDFC Bank's redemption benefits.
Frequently asked questions: Axis Cashback Credit Card vs Regalia Gold Credit Card
- Which is better: Axis Cashback Credit Card or Regalia Gold Credit Card?
- Regalia Gold Credit Card holds a higher overall rating with a CardCheck Score of 72/100 (Very Good) compared to 65/100 (Good) for Axis Cashback Credit Card (a lead of +7 points). Regalia Gold Credit Card provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- Axis Cashback Credit Card charges an annual fee of ₹1,000 with an annual spend threshold of ₹4 Lakh for renewal fee waiver. In comparison, Regalia Gold Credit Card charges an annual fee of ₹2,500 with an annual spend threshold of ₹4 Lakh.
- How do the reward rates and cashback compare between Axis Cashback Credit Card and Regalia Gold Credit Card?
- Axis Cashback Credit Card offers a base reward rate of 0.5% and up to 7% on accelerated partner categories. Meanwhile, Regalia Gold Credit Card offers a base rate of 1% and up to 2% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Axis Cashback Credit Card or Regalia Gold Credit Card?
- Axis Cashback Credit Card provides no complimentary domestic lounge access. On the other hand, Regalia Gold Credit Card provides 3 domestic lounge visit(s) per quarter and 6 international lounge visit(s)/yr. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- Axis Cashback Credit Card levies a foreign currency markup fee of 3.5%, while Regalia Gold 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).