Axis Bank Horizon Mastercard Credit Card vs Hdfc Bank Regalia Gold Credit Card: Which is Better in 2026?
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Hdfc Bank Regalia Gold Credit Card lists a lower headline annual fee in our data (around ₹500 apart), before waivers. Hdfc Bank Regalia Gold Credit Card shows a stronger headline earn rate in the first reward band we surface. Always confirm current fees and offers on the issuer’s site before you apply.
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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 Myntra |
| 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 15000 Rewards Points on Spend of Rs.8 Lakhs; Earn 10000 Rewards Points on Spend of Rs.5 Lakhs |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 2% - Foreign Currency Transactions |
Which is better for rewards?
Hdfc Bank Regalia Gold Credit Card shows a higher headline earn signal in the reward summaries we index (5X Reward Points on spends at Myntra vs Earn 5 EDGE Miles on Every Rs.100 Spent on Travel). If you optimise for points or cashback on daily spend, start with that card’s reward bands — then model redemptions you actually use.
Which is better for travel?
Axis Bank Horizon Mastercard Credit Card has richer lounge-related fields in our current benefits extract (domestic: 6 Complimentary Lounge Access in India; international: Enjoy 2 International Complimentary Airport Lounge Access). Frequent flyers should still confirm guest access, visit limits and participating airports with the issuer.
Which has lower effective cost?
Hdfc Bank Regalia Gold Credit Card appears cheaper on headline renewal fee in our data before waivers. If you are fee-sensitive, also read the waiver rules in the table — a higher sticker fee can still be net-negative cost if you naturally clear spend thresholds.
Who should pick Axis Bank Horizon Mastercard Credit Card?
Consider Axis Bank Horizon Mastercard Credit Card if you already bank with Axis Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Who should pick Hdfc Bank Regalia Gold Credit Card?
Consider Hdfc Bank Regalia Gold Credit Card if you already bank with HDFC Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Frequently Asked Questions
From the lounge fields in our benefit data: Axis Bank Horizon Mastercard Credit Card — domestic: 6 Complimentary Lounge Access in India; international: Enjoy 2 International Complimentary Airport Lounge Access. Hdfc Bank Regalia Gold Credit Card — domestic: 12 Complimentary Airport Lounge Access; international: 6 Complimentary Lounge Access Outside India. Guest rules, networks and visit caps change — confirm on the Axis Bank and HDFC Bank websites before you travel.
From the renewal-fee lines we index, the headline amounts are about ₹2,500 vs ₹3,000 per year before taxes and waivers. Campaigns and customer-specific pricing differ — use the comparison table and the Axis Bank and HDFC Bank websites for the final number.
On the first reward band we surface, Hdfc Bank Regalia Gold Credit Card shows a stronger headline earn (5X Reward Points on spends at Myntra vs Earn 5 EDGE Miles on Every Rs.100 Spent on Travel). Category bonuses, caps and redemption value decide real-world returns — map this to where you actually spend.
Axis Bank Horizon Mastercard Credit Card: Waiver wording not in our benefit extract — check Axis Bank. Hdfc Bank Regalia Gold Credit Card: Spend Rs.400000 For Renewal Fee Waiver Spend thresholds and anniversary rules change; confirm the latest T&Cs.
Axis Bank Horizon Mastercard Credit Card: 3.50% - Foreign Currency Transactions Hdfc Bank Regalia Gold Credit Card: 2% - Foreign Currency Transactions Lower published foreign-currency markup is usually better for overseas and foreign-currency online spend; confirm the live rate and exclusions on the Axis Bank and HDFC Bank websites.
Axis Bank Horizon Mastercard Credit Card: Welcome Benefits - 5000 EDGE Reward Points Hdfc Bank Regalia Gold Credit Card: Avail Gift Voucher Worth Rs.2500 Welcome campaigns are time-bound — verify eligibility and fulfilment on the Axis Bank and HDFC Bank websites.