Axis Bank Horizon Mastercard Credit Card vs Hdfc Bank Regalia Gold Credit Card: Which is Better in 2026?
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The Axis Bank Horizon Mastercard Credit Card and HDFC Bank Regalia Gold Credit Card offer distinct benefits catering to different user preferences. While the Axis card emphasizes travel rewards, the HDFC card provides a broader range of rewards across various categories. This comparison highlights their key features to help you decide which card suits your needs better.
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 Gold Credit Card |
|---|---|---|
| Bank | Axis Bank | HDFC Bank |
| Network | MasterCard | MasterCard |
| 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.400000 For Renewal Fee Waiver |
| Reward rate (headline) | Earn 5 EDGE Miles on Every Rs.100 Spent on Travel | 5X Reward Points on spends at Marks & Spencer |
| Lounge — domestic | 6 Complimentary Lounge Access in India | 12 Complimentary Airport Lounge Access |
| Lounge — international | Enjoy 2 International Complimentary Airport Lounge Access | 6 Complimentary Lounge Access Outside India |
| Welcome benefit | Welcome Benefits - 5000 EDGE Reward Points | Avail Gift Voucher Worth Rs.2500 |
| Milestone benefit | Renewal Benefit - 1500 EDGE Miles | Earn 10000 Rewards Points on Spend of Rs.5 Lakhs; Earn 15000 Rewards Points on Spend of Rs.8 Lakhs |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 2% - Foreign Currency Transactions |
Which is better for rewards?
The HDFC Bank Regalia Gold Credit Card is better for rewards, particularly for those who frequently shop at partner stores like Marks & Spencer and Myntra, as it offers 5X Reward Points in these categories. Additionally, it provides a structured milestone rewards system that can yield significant benefits for high spenders. In contrast, the Axis Bank Horizon Mastercard focuses primarily on travel-related spending, offering 5 EDGE Miles per Rs. 100 spent on travel, which may not appeal to users who spend less on travel.
Which is better for travel?
For travelers, the Axis Bank Horizon Mastercard Credit Card stands out due to its travel-centric rewards and complimentary lounge access. It offers 6 domestic lounge accesses and 2 international lounge accesses, making it a suitable choice for frequent flyers. The HDFC Bank Regalia Gold Credit Card, while offering 6 international lounge accesses, provides fewer domestic lounge visits, which may limit its appeal to domestic travelers.
Which has lower effective cost?
In terms of effective cost, the HDFC Bank Regalia Gold Credit Card has a lower annual fee of Rs. 2500 compared to the Axis Bank Horizon Mastercard's Rs. 3000. Additionally, the HDFC card offers a fee waiver option upon spending Rs. 400,000, making it potentially more cost-effective for high spenders. The Axis card does not provide a fee waiver, which could make it less appealing for budget-conscious users.
Who should pick Axis Bank Horizon Mastercard Credit Card?
Consider Axis Bank Horizon Mastercard Credit Card if you prioritize travel rewards and seek benefits specifically related to travel spending. Its higher EDGE Miles on travel purchases and complimentary lounge access can enhance your travel experience, making it a good fit for frequent travelers.
Who should pick Hdfc Bank Regalia Gold Credit Card?
Consider HDFC Bank Regalia Gold Credit Card if you want a versatile rewards program that covers a wide range of spending categories, including shopping and insurance. Its lower fees and milestone rewards can provide significant value, especially for those who spend across various sectors.
Frequently Asked Questions
The annual fee is Rs. 3000.
It offers 12 complimentary domestic lounge accesses and 6 international lounge accesses.
You earn 5 EDGE Miles on every Rs. 100 spent on travel and 2 EDGE Miles on all other spends.
Yes, the renewal fee can be waived if you spend Rs. 400,000.