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

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: Axis Bank Privilege Credit Card or HDFC Regalia 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: 2 per quarter domestic lounge. HDFC Regalia Credit Card: 2 per quarter domestic lounge.

Which card has a higher base reward rate?

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

Pairwise comparison Compare 3+ cards →

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

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

Rewards Axis Bank Privilege

Quick comparison

Three core metrics

Privilege Axis Bank

Annual fee ₹1,500 Waivable at ₹5,00,000 spend
Forex markup 3.5%
Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous 3 calendar months

Regalia HDFC Bank

Annual fee ₹2,500 Waivable at ₹3,00,000 spend
Forex markup 3.5%
Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹1,00,000 spend in the previous calendar quarter

Reward earning explained

Per card

Privilege

5 EDGE Miles / ₹100 on General spend (10 EDGE Reward Points per ₹200 on eligibl…

Regalia

2 pts / ₹100 on General spend

Limited data

Pick based on what matters

3 dimensions

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

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 2 per quarter.
Rewards Axis Bank Privilege wins

Axis Bank Privilege is better for rewards

Axis Bank Privilege is stronger here. Estimated base reward value is ~1% on base spend.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Regalia: ~₹500/month at base rate
Privilege: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Privilege Axis Bank	Regalia HDFC Bank
Lounge Access
Domestic lounge visits	2/quarter	2/quarter
International lounge visits Only available for Regalia	Not specified	6/year
Forex / International Use
Forex markup	3.5%	3.5%
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 ₹3,00,000	₹5,00,000	₹3,00,000
Rewards
Points per ₹100 5 pts vs 2 pts	5 pts	2 pts
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Regalia	Not specified	₹0.5
Point validity Only available for Regalia	Not specified	2 years

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.