Hdfc Bank Regalia Credit Card Mastercard vs Samsung Axis Bank Visa Signature Credit Card: Which is Better in 2026?
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Samsung Axis Bank Visa Signature Credit Card currently has more lounge detail available from the issuer data we index. Always confirm current fees and offers on the issuer’s site before you apply.
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| Feature | Hdfc Bank Regalia Credit Card Mastercard | Samsung Axis Bank Visa Signature Credit Card |
|---|---|---|
| Bank | HDFC Bank | Axis Bank |
| Network | MasterCard | Visa |
| Joining fee | — | Joining Fee of Rs.500 |
| Annual / renewal fee | — | Second Year Onwards Annual Fee of Rs.500 |
| Annual fee waiver | — | Spend Rs.2 Lakhs For Annual Fee Waiver |
| Reward rate (headline) | — | Earn 10 EDGE Reward Points on Rs.100 on Urban Company |
| Lounge — domestic | — | 4 Complimentary Airport Lounge Access Per Calendar Year |
| Welcome benefit | — | Welcome Benefits - 2500 EDGE Reward Points |
| Foreign currency markup | — | 3.50% - Foreign Currency Transactions |
Which is better for rewards?
We only have a clear headline earn line for Samsung Axis Bank Visa Signature Credit Card right now (Earn 10 EDGE Reward Points on Rs.100 on Urban Company). Hdfc Bank Regalia Credit Card Mastercard may still win on categories or redemptions—check its reward rows in the table and the issuer site.
Which is better for travel?
Samsung Axis Bank Visa Signature Credit Card has richer lounge-related fields in our current benefits extract (domestic: 4 Complimentary Airport Lounge Access Per Calendar Year; international: —). Frequent flyers should still confirm guest access, visit limits and participating airports with the issuer.
Which has lower effective cost?
We only have a clear renewal-fee line for Samsung Axis Bank Visa Signature Credit Card in the table (Second Year Onwards Annual Fee of Rs.500). Check Hdfc Bank Regalia Credit Card Mastercard on the issuer site and the joining-fee row for a full picture.
Who should pick Hdfc Bank Regalia Credit Card Mastercard?
Consider Hdfc Bank Regalia Credit Card Mastercard 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.
Who should pick Samsung Axis Bank Visa Signature Credit Card?
Consider Samsung Axis Bank Visa Signature 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.
Frequently Asked Questions
From the lounge fields in our benefit data: Samsung Axis Bank Visa Signature Credit Card — domestic: 4 Complimentary Airport Lounge Access Per Calendar Year; international: —. Hdfc Bank Regalia Credit Card Mastercard — domestic: —; international: —. Guest rules, networks and visit caps change — confirm on the HDFC Bank and Axis Bank websites before you travel.
We could not parse both renewal fees reliably from our benefit feed for this pair. Compare the “Annual / renewal fee” row in the table above, then confirm on the HDFC Bank and Axis Bank websites.
On the first reward band we surface, Hdfc Bank Regalia Credit Card Mastercard shows a stronger headline earn (— vs Earn 10 EDGE Reward Points on Rs.100 on Urban Company). Category bonuses, caps and redemption value decide real-world returns — map this to where you actually spend.
Hdfc Bank Regalia Credit Card Mastercard: Waiver wording not in our benefit extract — check HDFC Bank. Samsung Axis Bank Visa Signature Credit Card: Spend Rs.2 Lakhs For Annual Fee Waiver Spend thresholds and anniversary rules change; confirm the latest T&Cs.
Hdfc Bank Regalia Credit Card Mastercard: — Samsung Axis Bank Visa Signature Credit Card: 3.50% - 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 HDFC Bank and Axis Bank websites.
Hdfc Bank Regalia Credit Card Mastercard: Not in our extract. Samsung Axis Bank Visa Signature Credit Card: Welcome Benefits - 2500 EDGE Reward Points Welcome campaigns are time-bound — verify eligibility and fulfilment on the HDFC Bank and Axis Bank websites.