Highlights
- Comparison of Axis Privilege Credit card and HDFC Regalia Credit Card
- See the Differences between Fees, Offers, and Features of both the credit cards.
- The Credit Limit of both the cards depends on your CIBIL Score and Income.
Nowadays almost all individuals choose a credit card on the basis of its features rather than choosing it on the basis of credit limits. So there are some individuals who are confused between the Axis Bank Credit Cards and HDFC Credit Cards. Both the banks have a variety of credit cards having great deals on shopping and dining. Therefore in this article, you can see the difference between the two most demanded credit cards of the HDFC Bank and the Axis Banks that are Axis Privilege vs HDFC Regalia Credit Card. Once you know the difference between these two cards, it would be easy for you to choose one card for yourself.
Credit Card
Quotes from 11 banks | Best Offers and Rewards
Comparison of Axis Privilege Credit card and HDFC Regalia Credit Card
| Basis of Difference | Axis Privilege Credit Card | HDFC Regalia Credit Card |
|---|---|---|
| Welcome Benefits | ·Get 12500 EDGE Reward Points as a Welcome Bonus and Redeem it against the Paytm Flight and Hotel Vouchers worth INR 5000. You have to pay the full joining fees of the credit card and do 3 transactions from the card within 60 days of card issuance to enjoy the welcome offer. | • Enjoy Complimentary Membership of Zomato Gold as a Welcome Benefit. • Enjoy Free Dish at the partnered restaurants on every visit. • Go to the Gold Drink Partnered restaurants and enjoy up to 2 Drinks for free. • Spend ₹75000 within 30 days of the card issuance to enjoy all the welcome offers. |
| Milestone Benefits | • Spend INR 2.5 Lacs using the credit card and double the EDGE Reward Points to redeem it against flight and hotel vouchers. • Spend INR 2.5 Lacs in a year and waive off annual fees. • Renew the Axis Bank Privilege Card and earn 3000 EDGE Reward Points. | • Achieve the Milestone of ₹5 lacs and earn 10000 reward points. • Spend ₹8 Lacs in a year to get an additional 5000 reward points. |
| Lifestyle Benefits | • Enjoy Sailing on a Yacht under the Extra Ordinary Weekends Program using this credit card. • Enjoy 20% off at 4000+ restaurants that come under the dining delight program. | • Enjoy 24X7 Concierge Service Assistance using this credit card. • Get the Good Food Trail Dining Program using this credit card. |
| Earn Reward Points | • Spend INR200 on domestic and international transactions and earn 20 points. | • On every expenditure of INR 100 earn 4 Reward Points. |
| Airport Lounge Access | • Enjoy 8 Complimentary Access to the Airport Lounges using the Axis Bank Privilege Credit Card. • A maximum of 2 Lounge access can be taken per quarter using the credit card. | • Enjoy 12 Complimentary Airport Lounge Access in a year through this credit card. • Enjoy 6 Complimentary visits to the Lounges outside India Under Priority Program. • Visa Cards and Mastercard will charge an authentication fee of ₹2 and ₹25 respectively |
| Insurance Cover | • Get Air Accident Death Cover of up to INR 2.5 Crores. • Get a Fraud Liability Cover of INR 1 Lac. • Loss of Travel Document Insurance of up to $300. • Loss of Check-in Baggage Cover of up to $500. • $300 as the Delay in Check-in Baggage Cover. | • Get an Air Accident death cover of ₹1 Crore. • Avail off Overseas Hospitalisation Cover of up to ₹15 Lacs in case of an emergency. • Avail off Overseas Hospitalization Cover of up to ₹15 Lacs in case of an emergency. |
| Additional Benefits | • Get the Fuel Surcharge Waiver at all the refilling stations. • The minimum transaction must be of INR 400. • The maximum transaction must not exceed INR 4000. • A maximum waiver of INR 400 is allowed every month. • No Reward Points will be earned on the Fuel Expenses. | • Get a Fuel Surcharge Waiver of 1% at all the refilling stations. • The minimum transaction must be of ₹400. • The Maximum transaction must be ₹5000. • No Reward Points will be earned on the fuel expenses. |
Comparison of Fees and Waiving off Criteria
The fee is the next factor after the offers that an individual notice before applying for a credit card. On the other hand, the individual also wants to know the amount of spending that would help to waive off the credit card fees. So you can have a look at the fees and the criteria for waiving off the fees.
| Basis of Difference | Axis Privilege Credit Card | HDFC Regalia Credit Card |
|---|---|---|
| Annual Joining Fees | ₹1500 + Applicable Taxes | ₹2500 + Applicable Taxes |
| Annual Renewal Fees | ₹1500 + Applicable Taxes | ₹2500 + Applicable Taxes |
| Waiving Off Criteria | Spend ₹2.5 Lacs in a Year to Waive off the fees. | Spend ₹3 Lacs in a Year to Waive off the fees. |
Conclusion
Both the comparison table will help you make a one-sided choice. You can see the offers of both the credit cards and the fees chargeable every year. Finally, you know the difference between Axis Privilege vs HDFC Regalia Credit Card and now it is easy for you to choose the best card for yourself. The credit limit of both the credit card depends on your income and the Cibil Score.
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