Axis Bank Horizon Mastercard Credit Card vs HDFC Bank Regalia Credit Card Visa: Which is Better in 2026?
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When comparing the Axis Bank Horizon Mastercard Credit Card and the HDFC Bank Regalia Credit Card, both offer distinct benefits tailored to different spending habits. The Axis Bank card emphasizes travel rewards, while the HDFC card provides a broader range of rewards across various categories.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Axis Bank Horizon Mastercard Credit Card | HDFC Bank Regalia Credit Card Visa |
|---|---|---|
| Bank | Axis Bank | HDFC Bank |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs.3000 | Joining Fee of Rs. 2500 |
| Annual / renewal fee | Annual Fee - Rs.3000 | Renewal Fee of Rs. 2500 |
| Annual fee waiver | — | Spend Rs.300000 For Renewal Fee Waiver |
| Reward rate (headline) | Earn 5 EDGE Miles on Every Rs.100 Spent on Travel | Earn 4 Reward Points on Retail |
| Lounge — domestic | 6 Complimentary Lounge Access in India | 8 Complimentary Airport Lounge Access Per Year |
| Lounge — international | Enjoy 2 International Complimentary Airport Lounge Access | 6 Complimentary International Lounge Access |
| Welcome benefit | Welcome Benefits - 5000 EDGE Reward Points | — |
| Milestone benefit | Renewal Benefit - 1500 EDGE Miles | Earn 10000 Bonus Rewards Points on Rs. 5 Lakhs Spends; Earn 15000 Rewards Points on Spend of Rs.8 Lakhs |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
Which is better for rewards?
The Axis Bank Horizon Mastercard Credit Card is better for rewards, particularly for travel-related spending, as it offers 5 EDGE Miles on every Rs.100 spent on travel. In contrast, the HDFC Bank Regalia Credit Card provides 4 Reward Points on retail and specific categories like insurance and groceries, making it less rewarding for travel-focused users. However, HDFC's bonus rewards for higher spending can be appealing for those who spend significantly.
Which is better for travel?
For travel benefits, the Axis Bank Horizon Mastercard stands out with its 6 complimentary domestic lounge accesses and 2 international lounge accesses. The HDFC Bank Regalia Credit Card offers more international lounge access at 6 but fewer domestic accesses at 8. Therefore, if domestic lounge access is a priority, Axis Bank has a slight edge.
Which has lower effective cost?
Regarding effective costs, the HDFC Bank Regalia Credit Card has a lower annual fee of Rs.2500 compared to Axis Bank's Rs.3000. Additionally, HDFC offers a fee waiver upon spending Rs.300,000, which can be beneficial for frequent users. In contrast, Axis Bank does not provide a fee waiver, making HDFC a more cost-effective option for users who can meet the spending requirement.
Who should pick Axis Bank Horizon Mastercard Credit Card?
Consider Axis Bank Horizon Mastercard Credit Card if you prioritize travel rewards and lounge access, as it provides higher miles on travel spending and decent lounge benefits.
Who should pick HDFC Bank Regalia Credit Card Visa?
Consider HDFC Bank Regalia Credit Card if you seek a lower annual fee and a broader range of rewards across various categories, especially if you can meet the spending thresholds for bonus rewards.
Frequently Asked Questions
The joining fee is Rs.3000.
The HDFC Bank Regalia Credit Card offers 8 complimentary domestic lounge accesses and 6 international lounge accesses.
No, the Axis Bank Horizon Mastercard does not offer a fee waiver.
You earn 4 Reward Points on retail spending.