In short: HDFC Regalia has the lower annual fee (₹2,500 vs ₹3,000); Axis Horizon includes 6 airport lounge visits, HDFC Regalia 8 airport lounge visits a year; both charge a 3.5% forex markup.
| Key facts | Axis Horizon | HDFC Regalia |
|---|---|---|
| Annual fee | ₹3,000 | ₹2,500 |
| Joining fee | ₹3,000 | ₹2,500 |
| Annual fee waived | Not listed | On ₹3 lakh annual spend |
| Top reward rate | 5 EDGE Miles on Every ₹100 Spent on Travel | 4 reward points For Every ₹200 |
| Base rewards | 2 EDGE Miles Per ₹100 On All Other Spends | 4 reward points For Every ₹200 |
| Lounge access | 6 airport lounge visits | 8 airport lounge visits a year |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 8 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
The Axis Bank Horizon Mastercard Credit Card and the HDFC Bank Regalia Credit Card Visa both offer premium benefits with a focus on travel and rewards, but they differ in fee structure, lounge access, and rewards program details. Axis Bank Horizon provides EDGE Miles with higher travel rewards, while HDFC Regalia offers a more flexible points system with milestone bonuses and a fee waiver on high spends. Both cards include fuel surcharge waivers and foreign currency transaction fees of 3.5%.
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 |
| Top reward rate | Earn 5 EDGE Miles on Every Rs.100 Spent on Travel | Earn 4 Rewards Points For Every Rs.200 |
| Base rate (other spends) | Earn 2 EDGE Miles Per Rs.100 On All Other Spends | — |
| 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 |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| 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 |
For rewards, the Axis Bank Horizon Mastercard stands out with its accelerated earning of 5 EDGE Miles per Rs.100 spent on travel and 2 EDGE Miles on other spends, which can be redeemed for flights and hotels. The HDFC Regalia Credit Card offers a flat rate of 4 rewards points per Rs.200 spent across categories including grocery and insurance, with milestone bonuses of 10,000 and 15,000 points on spends of Rs.5 and 8 lakhs respectively. Overall, Axis Bank Horizon provides stronger rewards on travel spends, while HDFC Regalia offers consistent rewards across multiple categories with additional milestone incentives.
Regarding travel benefits, HDFC Regalia offers more comprehensive lounge access with 8 domestic and 6 international complimentary airport lounge visits per year, compared to Axis Bank Horizon's 6 domestic and 2 international lounge accesses. Additionally, HDFC Regalia includes 24/7 concierge services, which Axis Bank Horizon does not list. Both cards have a 3.5% forex markup fee and a 1% fuel surcharge waiver, making them comparable for foreign transactions and fuel spends.
In terms of fees, HDFC Regalia has a lower joining and renewal fee of Rs.2,500 each, with a renewal fee waiver available upon spending Rs.3,00,000 annually. Axis Bank Horizon charges Rs.3,000 for both joining and renewal without a listed fee waiver. This makes HDFC Regalia more cost-effective for high spenders who can avail the waiver, while Axis Bank Horizon's fees are fixed.
Axis Bank Horizon uses EDGE Miles with a clear travel acceleration, while HDFC Regalia offers a flat points system with milestone bonuses. Regalia's points can be redeemed for airmiles, travel bookings, or cashback, offering flexibility. Horizon’s miles transfer program allows direct redemption for flights and hotels, making it travel-centric.
HDFC Regalia provides a higher number of complimentary lounge visits including 6 international lounges and offers 24/7 concierge services, enhancing the travel experience. Axis Bank Horizon offers fewer international lounge visits and does not list concierge services.
HDFC Regalia offers a renewal fee waiver if you spend Rs.3,00,000 annually, which can significantly reduce the effective cost for high spenders. Axis Bank Horizon does not list any fee waiver, so the Rs.3,000 annual fee applies regardless of spend.
Consider Axis Bank Horizon Mastercard Credit Card if you prioritize higher travel rewards earning rates and prefer a straightforward rewards program focused on travel spends. It's suitable for cardholders who value EDGE Miles that can be redeemed directly for flights and hotels and who do not mind a fixed annual fee.
Consider HDFC Bank Regalia Credit Card Visa if you want broader lounge access both domestically and internationally, value concierge services, and seek a fee waiver option through high annual spending. It's ideal for users who prefer a versatile rewards program with milestone bonuses and want to reduce costs by meeting the waiver criteria.
Axis Bank Horizon Mastercard has a joining and renewal fee of Rs.3,000 each, while HDFC Regalia charges Rs.2,500 for both. HDFC Regalia offers a renewal fee waiver if you spend Rs.3,00,000 annually.
Axis Bank Horizon earns 5 EDGE Miles per Rs.100 on travel and 2 EDGE Miles per Rs.100 on other spends. HDFC Regalia earns 4 rewards points per Rs.200 across all spends, including grocery and insurance.
Axis Bank Horizon offers 6 domestic and 2 international complimentary lounge visits per year. HDFC Regalia provides 8 domestic and 6 international complimentary lounge visits annually.
Yes, both cards offer a 1% fuel surcharge waiver with a maximum capping of Rs.400 per statement cycle.
Both cards have a forex markup fee of 3.5% on foreign currency transactions.
Axis Bank Horizon offers 1,500 EDGE Miles as a renewal benefit milestone. HDFC Regalia provides bonus rewards of 10,000 points on Rs.5 lakhs spend and 15,000 points on Rs.8 lakhs spend annually.