Axis Bank Magnus vs HDFC Regalia Gold
Net value is estimated on a sample monthly spend, ranked by value not commission.
Verdict
On our reference spend profile, HDFC Regalia Gold comes out ahead on estimated net value — about ₹1,360/yr more than the Axis Bank Magnus. Your own spending pattern can change this — run the numbers in the rewards calculator.
| Attribute | Axis Bank Magnus | HDFC Regalia Gold Best valuePopular |
|---|---|---|
| Issuer | Axis Bank | HDFC Bank |
| Annual fee | ₹12,500 / year | ₹2,500 / year |
| Welcome bonus | Luxury voucher worth ₹12,500 | Gift voucher worth ₹2,500 |
| Min. income (monthly) | INR 200,000 | INR 100,000 |
| Reward type | points | points |
| Headline rate | — | — |
| Bonus categories | dining, travel, international | dining, travel, international |
| Lounge access | Yes | Yes |
| Foreign tx fee | 2% | 2% |
| Est. net value / yr | ₹50,380 | ₹51,740 |
| Apply | Apply |
Frequently asked questions
- Axis Bank Magnus vs HDFC Regalia Gold: which is better?
- On our reference spend profile the HDFC Regalia Gold delivers higher estimated net value than the Axis Bank Magnus in India, so it wins on value. Your own spending pattern may change the result — run both through the rewards calculator.
- What is the annual fee difference between Axis Bank Magnus and HDFC Regalia Gold?
- Axis Bank Magnus: ₹12,500 / year. HDFC Regalia Gold: ₹2,500 / year.
- Which earns more rewards, Axis Bank Magnus or HDFC Regalia Gold?
- Axis Bank Magnus earns points; HDFC Regalia Gold earns points. We rank by net value after fees, not headline rate alone.