Miles & More Axis Bank World Credit Card vs HDFC Bank Business Regalia Credit Card
Axis Bank · HDFC Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
ScoreVery Good
Annual Fee₹3,500
Max Reward3%
HDFC BankScoreVery Good
Annual Fee₹2,500
Max Reward5%
HDFC Bank Business Regalia Credit Card leads overall with a CardCheck Score of 78/100 (+3 pts over Miles & More Axis Bank World Credit Card).
4-Pillar Head-to-Head Breakdown
Miles vs HDFCReward Power
35%Miles27/35
HDFC34/35
HDFC Wins
Fee Value & ROI
25%Miles18/25
HDFC18/25
Tie (18/25)
Lounge & Travel
20%Miles18/20
HDFC18/20
Tie (18/20)
Forex & Access
20%Miles12/20
HDFC8/20
Miles Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 75
- 78Best
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 27/35
- 34/35
- Fee Value & ROI (25%)
- 18/25
- 18/25
- Lounge & Travel (20%)
- 18/20
- 18/20
- Forex & Access (20%)
- 12/20
- 8/20
02—Basic Info
- Bank
- Axis Bank
- HDFC Bank
- Network
- Visa
- Visa
- Card type
- Premium
- Premium
- Best for
- Lufthansa Group frequent flyers — Miles & More programme
- Business owners — rewards + lounge + business-spend cashback
03—Fees
- Joining fee
- ₹3,500
- ₹2,500Best
- Annual fee
- ₹3,500
- ₹2,500Best
- Fee waiver
- —
- ₹4,00,000
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- 52.86%
- 42%Best
- APR (max)
- 52.86%
- 42%Best
- Late payment fee
- ₹1,200Best
- ₹16,122
05—Rewards
- Reward type
- miles
- points
- Min rate
- 1%
- 1%
- Max rate
- 3%
- 5%Best
- Points / ₹100
- 3
- —
- Point value
- ₹0.5
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 2
- 2
- Intl lounge / year
- 4
- 6Best
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 2%Best
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 21
- Min income / month
- ₹75,000
- ₹75,000
- Min CIBIL
- 750
- 750
- Invite only
Rows won
02of 09
07of 09
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 75 | 78Best |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 27/35 | 34/35 |
| Fee Value & ROI (25%) | 18/25 | 18/25 |
| Lounge & Travel (20%) | 18/20 | 18/20 |
| Forex & Access (20%) | 12/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | HDFC Bank |
| Network | Visa | Visa |
| Card type | Premium | Premium |
| Best for | Lufthansa Group frequent flyers — Miles & More programme | Business owners — rewards + lounge + business-spend cashback |
03—Fees Differences highlighted | ||
| Joining fee | ₹3,500 | ₹2,500Best |
| Annual fee | ₹3,500 | ₹2,500Best |
| Fee waiver | — | ₹4,00,000 |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 52.86% | 42%Best |
| APR (max) | 52.86% | 42%Best |
| Late payment fee | ₹1,200Best | ₹16,122 |
05—Rewards Differences highlighted | ||
| Reward type | miles | points |
| Min rate | 1% | 1% |
| Max rate | 3% | 5%Best |
| Points / ₹100 | 3 | — |
| Point value | ₹0.5 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2 | 2 |
| Intl lounge / year | 4 | 6Best |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 2%Best | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 21 |
| Min income / month | ₹75,000 | ₹75,000 |
| Min CIBIL | 750 | 750 |
| Invite only | ||
| Rows won | 02of 09 | 07of 09 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Miles & More Axis Bank World Credit Card | HDFC Bank Business Regalia Credit Card |
|---|---|---|
| CardCheck Score | 75/100Very Good | 78/100Very Good |
| Annual Fee | ₹3,500 | ₹2,500 |
| Fee Waiver Spend | No waiver | ₹4L/yr |
| Max Reward Potential | 3% | 5% |
| Domestic Lounge Access | 2 / quarter | 2 / quarter |
| International Lounge | 4 / year | 6 / year |
| Forex Markup Fee | 2% | 3.5% |
Choose Miles & More Axis Bank World Credit Card if:
Your spending centers around lufthansa group frequent flyers — miles & more programme and you want direct partner rewards with Axis Bank.
Choose HDFC Bank Business Regalia Credit Card if:
Your spending aligns with business owners — rewards + lounge + business-spend cashback and you prioritize HDFC Bank's redemption benefits.
Frequently asked questions: Miles & More Axis Bank World Credit Card vs HDFC Bank Business Regalia Credit Card
- Which is better: Miles & More Axis Bank World Credit Card or HDFC Bank Business Regalia Credit Card?
- HDFC Bank Business Regalia Credit Card holds a higher overall rating with a CardCheck Score of 78/100 (Very Good) compared to 75/100 (Very Good) for Miles & More Axis Bank World Credit Card (a lead of +3 points). HDFC Bank Business Regalia Credit Card provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- Miles & More Axis Bank World Credit Card charges an annual fee of ₹3,500 with no official annual spend waiver milestone for renewal fee waiver. In comparison, HDFC Bank Business Regalia 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 Miles & More Axis Bank World Credit Card and HDFC Bank Business Regalia Credit Card?
- Miles & More Axis Bank World Credit Card offers a base reward rate of 1% and up to 3% on accelerated partner categories. Meanwhile, HDFC Bank Business Regalia Credit Card offers a base rate of 1% and up to 5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Miles & More Axis Bank World Credit Card or HDFC Bank Business Regalia Credit Card?
- Miles & More Axis Bank World Credit Card provides 2 domestic lounge visit(s) per quarter and 4 international lounge visit(s)/yr. On the other hand, HDFC Bank Business Regalia Credit Card provides 2 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?
- Miles & More Axis Bank World Credit Card levies a foreign currency markup fee of 2%, while HDFC Bank Business Regalia Credit Card charges 3.5%. 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).