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Axis Miles and More Credit Card vs HDFC Regalia Credit Card

Joining Fees

₹3,500

₹2,500

Editor's Rating

4.3

4

Key Features

  • Redeem accumulated miles in numerous ways such as on Flights and Upgrades, Hotels, Shopping, Car Rentals, and with award miles, help a child to go to school, ensure the care of an orphaned child, or replant forests
  • Avail Two Complimentary visits to Priority Pass Lounges in a year on Axis Bank Miles and More World Credit Card and avail Four Complimentary visits to Priority Pass Lounges in a year on Axis Bank Miles and More Select Credit Card
  • Indulge in delectable cuisines up to 15% off at partnered restaurants in India
  • 1% fuel surcharge waiver on all fuel transactions in India
  • On any transaction over RS. 2,500, convert purchases to EMI
  • 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   

Editor's Review

Pros

  • 24x7 Dedicated Concierge Desk
  • Pay bills from any bank account
  • Pay utility bills automatically

Cons:

  • No complimentary Golf/coaching sessions

Pros

  • Earn 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs
  • Accidental air death cover worth Rs. 1 Crore
  • Fuel Surcharge Waiver

 

Cons

  • Slightly high Annual Fee
  • No golf/coaching sessions


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