Side-by-side · honest numbers
Axis Bank Neo Credit Card vs Axis Bank SELECT Credit Card vs HDFC Regalia Gold
Honest side-by-side comparison of Axis Bank Neo Credit Card, Axis Bank SELECT Credit Card, HDFC Regalia Gold — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Regalia Gold ranks first for estimated net annual value — ahead of Axis Bank Neo Credit Card by about ₹3,756/yr.
| Feature | Axis Bank Neo Credit Card Axis Bank | Axis Bank SELECT Credit Card Axis Bank | HDFC Regalia Gold HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹3,000 | ₹2,500 |
| Fee waiver threshold | Lifetime free | Waived at ₹3,00,000/yr spend | Waived at ₹4,00,000/yr spend |
| Min income | ₹15,000/mo | ₹50,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,800/yr | -₹62/yr | ₹5,556/yr |
| Online shopping | 1% cashback → ₹100/mo (₹1,200/yr) | — | — |
| Travel | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Top reward rate | 10% off | 2 EDGE miles/₹150 | 4 RP/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge — typically 2 visits per quarter · Minimum spend required — see issuer T&Cs for current threshold | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) |
| UPI rewards | Earns: Per Neo reward structure on eligible spends · cap Issuer caps apply | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹2,500 |
Frequently asked questions
- Which card has the lower annual fee?
- Axis Bank Neo Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- HDFC Regalia Gold leads with an estimated ₹5,556/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank Neo Credit Card lists a minimum monthly income of ₹15,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Axis Bank Neo Credit Card
Axis Bank
Axis Bank SELECT Credit Card
Axis Bank
HDFC Regalia Gold
HDFC Bank
Your adjusted comparison
| Feature | Axis BankClassic Axis Bank Neo Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Neo Credit Card Top reward10% off Annual feeLifetime Free Min income₹15,000/mo Tap to flip back Axis Bank Neo Credit Card Axis Bank | Axis BankPlatinum Axis Bank SELECT Credit Card •••• •••• •••• 4242 Quick facts Axis Bank SELECT Credit Card Top reward2 EDGE miles/₹150 Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Axis Bank SELECT Credit Card Axis Bank | HDFC BankPlatinum HDFC Regalia Gold •••• •••• •••• 4242 Quick facts HDFC Regalia Gold Top reward4 RP/₹150 Annual fee₹2,500 Min income₹50,000/mo Tap to flip back HDFC Regalia Gold HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹3,000 | ₹2,500 |
| Fee waiver threshold | Lifetime free | Waived at ₹3,00,000/yr spend | Waived at ₹4,00,000/yr spend |
| Min income | ₹15,000/mo | ₹50,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,800/yr | -₹62/yr | ₹5,556/yr |
| Online shopping | 1% cashback → ₹100/mo (₹1,200/yr) | — | — |
| Travel | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Top reward rate | 10% off | 2 EDGE miles/₹150 | 4 RP/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge — typically 2 visits per quarter · Minimum spend required — see issuer T&Cs for current threshold | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) |
| UPI rewards | Earns: Per Neo reward structure on eligible spends · cap Issuer caps apply | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹2,500 |
Axis Bank Neo Credit Card details →Axis Bank SELECT Credit Card details →HDFC Regalia Gold details →
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