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Axis Bank ACE Credit Card vs HDFC Regalia Gold

Honest side-by-side comparison of Axis Bank ACE Credit Card, HDFC Regalia Gold — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Axis Bank ACE Credit Card

Axis Bank

HDFC Regalia Gold

HDFC Bank

Your adjusted comparison

Feature
Axis Bank ACE Credit Card

Axis Bank ACE Credit Card

Axis Bank

HDFC Regalia Gold credit card

HDFC Regalia Gold

HDFC Bank

Fees & eligibility
Annual fee₹499₹2,500
Fee waiver thresholdWaived at ₹2,00,000/yr spend₹4,00,000/yr
Min income₹20,000/mo₹50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹5,475/yr-₹670/yr
Dining & delivery₹3,500 × 4% = ₹140/mo (₹1,680/yr) · issuer max ₹500/mo—
Utilities & bills₹1,925.00 × 5% = ₹96.25/mo (₹1,155/yr) · issuer max ₹500/mo—
Top reward rate5%5 RP/₹200
Primary reward cap₹500 rewards/mo cap₹15,000 eligible spend/mo
Perks & restrictions
Lounge access4 domestic visits/year · ₹50,000 spend in previous 3 calendar months (waived for first 4 months on new cards)Up to 2 lounge vouchers/quarter — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in previous calendar quarter for domestic lounge voucher; SmartBuy milestone path may differ — verify MITC
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsFuel · Non-GPay utilities · EMI · Rent · Wallet loadEMI · Fuel · Rent · Wallet
Bonuses
Signup bonus—₹2,500

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

Axis Bank ACE Credit Card details →HDFC Regalia Gold details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Axis Bank ACE Credit Card leads HDFC Regalia Gold by about ₹6,145/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

Axis Bank ACE Credit Card vs HDFC Regalia Gold comparison table
FeatureAxis Bank ACE Credit Card

Axis Bank

HDFC Regalia Gold

HDFC Bank

Fees & eligibility
Annual fee₹499₹2,500
Fee waiver thresholdWaived at ₹2,00,000/yr spend₹4,00,000/yr
Min income₹20,000/mo₹50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹5,475/yr-₹670/yr
Dining & delivery₹3,500 × 4% = ₹140/mo (₹1,680/yr) · issuer max ₹500/mo—
Utilities & bills₹1,925.00 × 5% = ₹96.25/mo (₹1,155/yr) · issuer max ₹500/mo—
Top reward rate5%5 RP/₹200
Primary reward cap₹500 rewards/mo cap₹15,000 eligible spend/mo
Perks & restrictions
Lounge access4 domestic visits/year · ₹50,000 spend in previous 3 calendar months (waived for first 4 months on new cards)Up to 2 lounge vouchers/quarter — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in previous calendar quarter for domestic lounge voucher; SmartBuy milestone path may differ — verify MITC
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsFuel · Non-GPay utilities · EMI · Rent · Wallet loadEMI · Fuel · Rent · Wallet
Bonuses
Signup bonus—₹2,500

Frequently asked questions

Which card has the lower annual fee?
Axis Bank ACE Credit Card has the lowest annual fee at ₹499.
Which card earns more on moderate spend?
Axis Bank ACE Credit Card leads with an estimated ₹5,475/yr net annual value on moderate spend.
Which card has the lower income requirement?
Axis Bank ACE Credit Card lists a minimum monthly income of ₹20,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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