Side-by-side · honest numbers
Axis Bank SELECT Credit Card vs HDFC Regalia Gold vs ICICI Sapphiro Credit Card
Honest side-by-side comparison of Axis Bank SELECT Credit Card, HDFC Regalia Gold, ICICI Sapphiro Credit Card — 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 SELECT Credit Card
Axis Bank
HDFC Regalia Gold
HDFC Bank
ICICI Sapphiro Credit Card
ICICI Bank
Your adjusted comparison
| Feature | Axis Bank SELECT Credit Card Axis Bank | HDFC Regalia Gold HDFC Bank | ICICI Sapphiro Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,000 | ₹2,500 | ₹3,500 |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | ₹4,00,000/yr | No waiver published |
| Min income | ₹50,000/mo | ₹50,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹12/yr | -₹670/yr | -₹1,862/yr |
| Travel | ₹3,000 → 40 pts/mo × ₹0.20/pt = ₹8/mo (₹96/yr) | — | — |
| Top reward rate | 2 EDGE miles/₹150 | 5 RP/₹200 | 4 RP/₹100 |
| Primary reward cap | No monthly cap published | ₹15,000 eligible spend/mo | No monthly cap published |
| 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 — 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 | Domestic (4/quarter) + 2 international/year · Domestic airport lounge gated on ₹75,000 spend in the previous calendar quarter; 2 international visits/year |
| 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 |
| Bonuses | |||
| Signup bonus | — | ₹2,500 | ₹4,000 |
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https://cardhungry.com/in/en/compare/axis-select-vs-hdfc-regalia-gold-vs-icici-sapphiroReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Axis Bank SELECT Credit Card ranks first for estimated net annual value — ahead of HDFC Regalia Gold by about ₹682/yr.
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
| Feature | Axis Bank SELECT Credit Card Axis Bank | HDFC Regalia Gold HDFC Bank | ICICI Sapphiro Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,000 | ₹2,500 | ₹3,500 |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | ₹4,00,000/yr | No waiver published |
| Min income | ₹50,000/mo | ₹50,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹12/yr | -₹670/yr | -₹1,862/yr |
| Travel | ₹3,000 → 40 pts/mo × ₹0.20/pt = ₹8/mo (₹96/yr) | — | — |
| Top reward rate | 2 EDGE miles/₹150 | 5 RP/₹200 | 4 RP/₹100 |
| Primary reward cap | No monthly cap published | ₹15,000 eligible spend/mo | No monthly cap published |
| 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 — 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 | Domestic (4/quarter) + 2 international/year · Domestic airport lounge gated on ₹75,000 spend in the previous calendar quarter; 2 international visits/year |
| 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 |
| Bonuses | |||
| Signup bonus | — | ₹2,500 | ₹4,000 |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Regalia Gold has the lowest annual fee at ₹2,500.
- Which card earns more on moderate spend?
- Axis Bank SELECT Credit Card leads with an estimated ₹12/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank SELECT Credit Card lists a minimum monthly income of ₹50,000.
- 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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