HDFC Regalia vs Axis Magnus — Which Premium Card Wins in 2025?
HDFC Regalia Gold and Axis Magnus are two of the most popular premium credit cards in India. Both target frequent travellers — but they differ significantly on fee, rewards, and lounge access.
Fee Comparison
HDFC Regalia Gold
Annual fee: ₹2,500 + GST. Waived on ₹3L annual spend. One of the most accessible premium cards in India.
Axis Magnus
Annual fee: ₹12,500 + GST. Waived on ₹15L annual spend. Significantly higher, but proportionally stronger benefits.
Rewards Comparison
HDFC Regalia Gold
5X reward points on travel, dining and entertainment (2.5% effective). 1X on all other spends.
Axis Magnus
35 Edge Miles per ₹200 on Axis Travel EDGE portal (17.5% effective on travel bookings). 12 Edge Miles per ₹200 elsewhere. Far more rewarding for travel.
Lounge Access
HDFC Regalia Gold: 12 combined domestic + international visits per year. Axis Magnus: Unlimited domestic + 8 international visits via Priority Pass. Magnus is clearly superior for frequent flyers.
Verdict
Choose HDFC Regalia Gold if you spend under ₹5L annually and want a low-cost premium card. Choose Axis Magnus if you travel frequently, spend ₹8L+ annually, and want superior lounge access and travel rewards.
Bottom Line
HDFC Regalia Gold for under ₹5L annual spend, Axis Magnus for above ₹8L. Both are excellent in their class.
Frequently Asked Questions
Can I hold both HDFC Regalia and Axis Magnus?expand_more
Yes, there is no restriction on holding cards from different banks. Many premium card users hold 2–3 cards to maximise category-specific rewards.
Is Axis Magnus worth the ₹12,500 annual fee?expand_more
Yes, if you travel frequently. Unlimited domestic lounge access alone (₹2,000+ per visit) can offset the fee after 6–7 visits. Add miles and insurance and Magnus delivers strong value above ₹8L annual spend.