Compare Axis Bank Rewards Credit Card vs HDFC Regalia Credit Card

On every Rs. 125 spends, gain unlimited 2 EDGE REWARD points
Avail 10X reward points on every Rs. 125 spent on apparel and departmental stores
Receive accelerated points for spends up to Rs. 7000 per month on specific categories
Membership Benefits: Gain a bouquet of memberships up to Rs. 1,000 every anniversary year
Milestone Benefits: Avail 1,500 EDGE REWARD points on net spends of Rs. 30,000 per statement cycle
30% off on Swiggy food delivery. This is applicable on minimum transaction of Rs. 200 per order and can be availed up to 2 times in a month
2 complimentary lounge access per quarter at selected domestic airports
1% fuel surcharge on fuel purchases at all fuel stations within India. This is valid on transactions between Rs. 400 to Rs. 5,000 only
Purchase Protection Cover up to Rs. 1 Lakh
Credit Shield 1 Lakh
Loss of Check-in Baggage Cover up to 500 USD
Cover up to USD 300 for the following: Delay of check-in baggage and Loss of travel documents
Enjoy up to 15% off, maximum Rs. 500, at partnered restaurants in India
Annual Fee of Rs. 1,000 will be waived off by making annual spends of Rs. 2,00,000 and above
Wednesday Delight Offer: Get up to 15% on flights and hotels via Goibibo and Makemytrip, 10% off on orders via Swiggy and Amazon Fresh, 10% off up to Rs. 1000 on Tira

Avail 4 Reward Points on every Rs.150 spent on all retail spends including Insurance
Zero Lost card liability
Foreign Currency Markup : 3.5% on all foreign currency spends
Enjoy Revolving Credit on the credit card at nominal interest rate
24/7 Concierge Services
Complimentary Airport Lounge Access within India: The lounge access program is be based on credit card spends. Spend Rs.1 Lakh or more in a calendar quarter (Jan-Mar | Apr-June | Jul-Sept | Oct-Dec). Avail up to 2 complimentary lounge access vouchers as part of quarterly milestone benefit
Priority Pass: Lounge access outside India using priority pass is not based on spends. Apply for Priority Pass for self and add on members once you have completed minimum 4 retail transactions. Using Priority Pass, cardholder and the add on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India. If exceeded the 6 Complimentary visits, there will be a charge of US $27 + GST per visit. Guests accompanying the primary card holder must have an Add-on credit card with their own Priority Pass
1% fuel surcharge waiver at fuel stations across India on minimum transaction of Rs. 400 and maximum transaction of Rs. 5000
Enjoy dining benefits with the Good Food Trail program: Avail up to 7.5% savings on all restaurant bill payments via Swiggy Dineout (20k+ restaurants). The offer is inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done via the Swiggy App
Milestone Benefit: Obtain Bonus 10,000 Reward Points when making spends of Rs. 5 lakhs in the anniversary year. Earn additional 5,000 Reward Points when spending Rs. 8 lakhs spends in the anniversary year
Renewal fee waived off if spends exceeds more than Rs. 3 Lakhs in the previous year
HDFC Bank Regalia Credit Card provides the option to convert big spends into EMI after purchase
The credit card is enabled for contactless payments
Accidental air death cover worth Rs. 1 Crore
Emergency overseas hospitalization: Up to Rs. 15 lakhs
Lost Card Liability Cover : Up to Rs 9 lakhs

Pros

* Unlimited 2 EDGE REWARD points on every Rs. 125 spends
* Accelerated points for spends up to Rs. 7000 per month on specific categories
* Gain a bouquet of memberships up to Rs. 1,000 every anniversary year

Cons

* No access to international lounges at airports
* No golf benefits are provided

Pros