Side-by-side · honest numbers
Axis Bank SELECT Credit Card vs HDFC Regalia Gold vs IDFC Ashva Gold (FD)
Honest side-by-side comparison of Axis Bank SELECT Credit Card, HDFC Regalia Gold, IDFC Ashva Gold (FD) — 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 IDFC Ashva Gold (FD) by about ₹3,956/yr.
| Feature | Axis Bank SELECT Credit Card Axis Bank | HDFC Regalia Gold HDFC Bank | IDFC Ashva Gold (FD) IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,000 | ₹2,500 | Lifetime free |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | Waived at ₹4,00,000/yr spend | Lifetime free |
| Min income | ₹50,000/mo | ₹50,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | -₹62/yr | ₹5,556/yr | ₹1,600/yr |
| Travel | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — | — |
| Top reward rate | 2 EDGE miles/₹150 | 4 RP/₹150 | 2X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | 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 · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) | Domestic lounge with FD ≥ ₹25K · FD-backed card — lounge tied to minimum ₹25,000 fixed deposit, not monthly spend |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | Not stated |
| Bonuses | |||
| Signup bonus | — | ₹2,500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC Ashva Gold (FD) 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 SELECT Credit Card lists a minimum monthly income of ₹50,000.
- Which cards are secured (FD-backed)?
- IDFC Ashva Gold (FD) is secured — useful for thin credit files without a bureau pull at application.
- 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
IDFC Ashva Gold (FD)
IDFC FIRST Bank
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 | IDFC FIRST BankGold IDFC Ashva Gold (FD) •••• •••• •••• 4242 Quick facts IDFC Ashva Gold (FD) Top reward2X reward points Annual feeLifetime Free Tap to flip back IDFC Ashva Gold (FD) IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,000 | ₹2,500 | Lifetime free |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | Waived at ₹4,00,000/yr spend | Lifetime free |
| Min income | ₹50,000/mo | ₹50,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | -₹62/yr | ₹5,556/yr | ₹1,600/yr |
| Travel | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — | — |
| Top reward rate | 2 EDGE miles/₹150 | 4 RP/₹150 | 2X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | 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 · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) | Domestic lounge with FD ≥ ₹25K · FD-backed card — lounge tied to minimum ₹25,000 fixed deposit, not monthly spend |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | Not stated |
| Bonuses | |||
| Signup bonus | — | ₹2,500 | — |
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https://cardhungry.com/in/en/compare/axis-select-vs-hdfc-regalia-gold-vs-idfc-ashva-goldMore Axis Bank SELECT Credit Card comparisons
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