HDFC Regalia Gold vs Axis Bank Magnus

HDFC Regalia Gold has the lower annual fee (₹2,500 against ₹12,500). HDFC Regalia Gold waives its fee on ₹4,00,000 of spend a year; Axis Bank Magnus waives its fee on ₹25,00,000 of spend a year. On all three sample spends below, HDFC Regalia Gold comes out ahead after fees. The Saifu app works it out on your own spends, on your phone.

Feature	HDFC Regalia GoldHDFC3 wins · ahead	Axis Bank MagnusAxis1 win
Annual fee	Lower₹2,500	₹12,500
Joining fee	Lower₹2,500	₹12,500
Fee waiver	LowerWaived on ₹4,00,000 spend a year	Waived on ₹25,00,000 spend a year
Rewards	5 Reward Points per Rs 200 on retail spends; 5X on Myntra, Nykaa, Reliance Digital and more	12 EDGE Reward Points per ₹200 up to ₹1.5 lakh monthly spends, 35 per ₹200 above that; 5X on Travel EDGE; unlimited lounge access
Airport lounges	3 a quarter domestic, 6 a year international	Moreunlimited domestic, unlimited international
Forex markup	2% plus GST	2% plus GST
Points	Reward Points, about ₹0.2 a point	EDGE Reward Points, about ₹0.2 a point
Published minimum income and age	Salaried ₹18,00,000 a year, self-employed ₹18,00,000 a year, age 21 to 60	Salaried ₹24,00,000 a year, self-employed ₹24,00,000 a year, age 18 to 70
Network	Visa / Mastercard	Not listed
Apply	Bank page	Bank page

Badges mark the lower fee, waiver spend or markup, and more lounge visits. Rewards are not scored here because they depend on where you spend. Affiliate link, costs you nothing extra, we may earn a commission, never changes how cards are ranked. Figures come from each bank's page and can change; check before you apply.

What each card earns in a year

Sample spender	HDFC Regalia Gold	Axis Bank Magnus
Everyday spender₹30,000 a month	More-₹880 a year₹1,620 rewards, less ₹2,500 fee	-₹9,116 a year₹3,384 rewards, less ₹12,500 fee
Online shopper₹50,000 a month	More₹3,720 a year₹3,720 rewards, no fee to pay	-₹5,876 a year₹6,624 rewards, less ₹12,500 fee
Frequent traveller₹1,00,000 a month	More₹5,700 a year₹5,700 rewards, no fee to pay	₹604 a year₹13,104 rewards, less ₹12,500 fee

The sample spends and how this is worked out

Everyday spender, ₹30,000 a month: DMart ₹6,000, BigBasket ₹2,000, Swiggy ₹2,000, Zomato ₹1,500, Amazon ₹3,000, Flipkart ₹1,500, Bills paid on Google Pay ₹2,500, Airtel ₹1,000, Indian Oil ₹3,000, Restaurant (in person) ₹2,500, Uber ₹1,000, Other spends in shops ₹4,000.
Online shopper, ₹50,000 a month: Amazon ₹10,000, Flipkart ₹8,000, Myntra ₹3,000, Swiggy ₹4,000, Zomato ₹3,000, Blinkit ₹4,000, BookMyShow ₹1,500, Uber ₹2,000, Bills paid on Google Pay ₹3,000, Jio ₹1,000, Netflix ₹500, Restaurant (in person) ₹3,000, Other spends in shops ₹7,000.
Frequent traveller, ₹1,00,000 a month: MakeMyTrip ₹10,000, Cleartrip ₹5,000, IRCTC ₹2,000, IndiGo ₹10,000, Marriott Bonvoy hotels ₹8,000, Spends abroad ₹15,000, Uber ₹4,000, Restaurant (in person) ₹8,000, Amazon ₹10,000, Swiggy ₹5,000, DMart ₹8,000, Bills paid on Google Pay ₹4,000, Indian Oil ₹5,000, Other spends in shops ₹6,000.

Worked out with the same reward rules and caps the Saifu app uses. Points are counted at the cash value in the table above. The annual fee counts as waived when the spend reaches the waiver. Joining fees, welcome gifts and milestone vouchers are not counted. Your own spends will give different figures.

Common questions

Which is better, HDFC Regalia Gold or Axis Bank Magnus?

On all three sample spends below, HDFC Regalia Gold comes out ahead after fees. It depends on where you spend: compare the figures for the sample spender closest to you, or add your own spends in the Saifu app.

Which has the lower annual fee?

HDFC Regalia Gold (₹2,500 against ₹12,500). HDFC Regalia Gold waives it on ₹4,00,000 of spend a year. Axis Bank Magnus waives it on ₹25,00,000 of spend a year.

Add a third card HDFC Regalia Gold Axis Bank Magnus

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