Which card has a lower forex fee: Axis Bank Privilege Credit Card or HDFC Regalia Gold Credit Card?

HDFC Regalia Gold Credit Card has lower forex markup (2% vs 3.5%).

Which card has a lower annual fee: Axis Bank Privilege Credit Card or HDFC Regalia Gold Credit Card?

Axis Bank Privilege Credit Card has a lower annual fee (₹1,500 vs ₹2,500).

Which card offers better lounge access?

Axis Bank Privilege Credit Card: 8/year domestic lounge. HDFC Regalia Gold Credit Card: 12/year domestic lounge (3 per quarter).

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Add another card →

Axis Bank Privilege vs HDFC Bank Regalia Gold Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank Privilege and the HDFC Bank Regalia Gold. Verify fees, lounge access, forex markup, and base rewards before you apply.

Forex HDFC Bank Regalia Gold

Quick comparison

Three core metrics

Privilege Axis Bank

Annual fee ₹1,500 Waivable at ₹5,00,000 spend
Forex markup 3.5%
Domestic lounge 8/year

Regalia Gold HDFC Bank

Annual fee ₹2,500 Waivable at ₹4,00,000 spend
Forex markup 2%
Domestic lounge 12/year (3 per quarter) Conditional · Spend-gated in current HDFC policy; verify live eligibility in bank app

Reward earning explained

Per card

Privilege

Base rewards on regular spend

Regalia Gold

4 pts / ₹150 on General spend

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Privilege: ₹1,500 vs HDFC Bank Regalia Gold: ₹2,500), forex markup (3.5% vs 2%), or lounge access (8/year vs 12/year (3 per quarter)).

Travel Insufficient data

Insufficient data to compare travel

Only HDFC Bank Regalia Gold has comparable evidence here. Forex markup is 2%.

Privilege: Limited data Regalia Gold: Limited data
Forex markup HDFC Bank Regalia Gold wins

HDFC Bank Regalia Gold is better for forex

HDFC Bank Regalia Gold is stronger here. Forex markup is 2%.

Privilege: Limited data Regalia Gold: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 8/year. Domestic lounge access is 12/year (3 per quarter).

Privilege: Limited data Regalia Gold: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Regalia Gold: ~₹330/month at base rate
Privilege: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	Privilege Axis Bank	Regalia Gold HDFC Bank
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats 8/year vs 12/year (3 per quarter)	8/year	12/year (3 per quarter)
International lounge visits Only available for Regalia Gold	Not specified	6/year
Forex / International Use
Forex markup Source agreement differs — verify both. 3.5% vs 2%	3.5%	2%
Fees
Annual fee ₹1,500 vs ₹2,500	₹1,500	₹2,500
Joining fee ₹1,500 vs ₹2,500	₹1,500	₹2,500
Fee waiver spend ₹5,00,000 vs ₹4,00,000	₹5,00,000	₹4,00,000
Rewards
Points per ₹150 Only available for Regalia Gold	Not specified	4 pts
Point cash value ₹0.2 vs ₹0.25	₹0.2	₹0.25

Notes

HDFC Regalia Gold Credit Card: Spend-gated in current HDFC policy; verify live eligibility in bank app
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.