Side-by-side · honest numbers
Axis Bank SELECT Credit Card vs HDFC Regalia Gold vs HSBC Cashback Credit Card
Honest side-by-side comparison of Axis Bank SELECT Credit Card, HDFC Regalia Gold, HSBC Cashback Credit Card — 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, HSBC Cashback Credit Card ranks first for estimated net annual value — ahead of HDFC Regalia Gold by about ₹2,385/yr.
| Feature | Axis Bank SELECT Credit Card Axis Bank | HDFC Regalia Gold HDFC Bank | HSBC Cashback Credit Card HSBC |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,000 | ₹2,500 | ₹999 |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | Waived at ₹4,00,000/yr spend | No waiver published |
| Min income | ₹50,000/mo | ₹50,000/mo | ₹40,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹62/yr | ₹5,556/yr | ₹7,941/yr |
| Dining & delivery | — | — | 10% cashback → ₹400/mo (₹4,800/yr) |
| Travel | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — | — |
| Top reward rate | 2 EDGE miles/₹150 | 4 RP/₹150 | 10% |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | 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) | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹2,500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- HSBC Cashback Credit Card has the lowest annual fee at ₹999.
- Which card earns more on moderate spend?
- HSBC Cashback Credit Card leads with an estimated ₹7,941/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HSBC Cashback Credit Card lists a minimum monthly income of ₹40,000.
- 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 SELECT Credit Card
Axis Bank
HDFC Regalia Gold
HDFC Bank
HSBC Cashback Credit Card
HSBC
Your adjusted comparison
| Feature | 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 | HSBCGold HSBC Cashback Credit Card •••• •••• •••• 4242 Quick facts HSBC Cashback Credit Card Top reward10% Annual fee₹999 Min income₹40,000/mo Tap to flip back HSBC Cashback Credit Card HSBC |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,000 | ₹2,500 | ₹999 |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | Waived at ₹4,00,000/yr spend | No waiver published |
| Min income | ₹50,000/mo | ₹50,000/mo | ₹40,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹62/yr | ₹5,556/yr | ₹7,941/yr |
| Dining & delivery | — | — | 10% cashback → ₹400/mo (₹4,800/yr) |
| Travel | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — | — |
| Top reward rate | 2 EDGE miles/₹150 | 4 RP/₹150 | 10% |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | 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) | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹2,500 | — |
Axis Bank SELECT Credit Card details →HDFC Regalia Gold details →HSBC Cashback Credit Card details →
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