HDFC Regalia Gold vs Axis Bank Select Credit Card: Points, Lounges, Fees

HDFC Bank Regalia Gold returns more on the same spending for most people who qualify: 5 Reward Points per ₹200, worth up to ₹0.65 each, is about 1.6% back against about 1% on Axis Bank Select, and its fee waiver needs ₹4 lakh a year instead of ₹8 lakh. Axis Select is far easier to get, with a ₹6 lakh yearly income bar against HDFC's ₹1.5 lakh a month, and its BigBasket and Swiggy offers can be worth more than its points.

By Pankaj Pandey · Content Writer Updated 5 November 2026 Reviewed by BankCreds Financial Experts

In short

Regalia Gold is the stronger rewards and travel card if you clear HDFC's ₹1.5 lakh monthly income bar and redeem on its Gold Catalogue or flights; Axis Select is the realistic choice below that bar and pays back best through its grocery and food delivery offers.

Best for

Earners above ₹1.5 lakh a month who travel abroad and redeem points on the catalogue or flights (Regalia Gold)
Families that buy groceries on BigBasket and order on Swiggy every month (Axis Select)
Applicants with ₹6 lakh or more of yearly income who miss HDFC's bar (Axis Select)

Skip it if

You want simple cashback, since both pay in points whose value depends on how you redeem
Fuel or rent is your biggest spend; neither card rewards either
You spend under ₹4 lakh a year, so neither annual fee is waived

Highlights

Fees: ₹2,500 + GST (Regalia Gold) and ₹3,000 + GST (Axis Select)
Fee waivers: ₹4 lakh against ₹8 lakh of yearly spends
Base earn: 5 points per ₹200 worth up to ₹0.65 each, against 10 points per ₹200 at ₹0.20
Forex markup: 2% against 3.5%
Income bar: above ₹1.5 lakh gross a month against ₹6 lakh net a year

Side by side

Every term from the banks' own pages, last verified 5 November 2026.
Term	Regalia Gold Credit Card	Axis Bank Select Credit Card
Bank	HDFC Bank	Axis Bank
Joining fee	₹2,500 + GST	₹3,000 + GST
Annual fee and waiver	₹2,500 + GST. Retail spends of ₹4 lakh within 12 billing cycles of your anniversary year waive the next year's renewal fee	₹3,000 + GST. Annual fee waived on spends of INR 8 lakh in the preceding card anniversary year; insurance, rent, fuel, education, utilities and telecom, government, wallet, gold and gift card spends (and EMI conversions, cash, reversals, fees) do not count. Nil fees for Burgundy account holders.
Base reward	5 Reward Points for every ₹200 spent on eligible retail spends	10 EDGE REWARD Points per INR 200 spent (about 1% value)
Best category	Myntra, Nykaa, Reliance Digital, Marks & Spencer: 5X Reward Points	Retail shopping: department stores, grocery stores, clothing and accessory stores: about 2% value
Lounges	Domestic: 3 complimentary domestic lounge visits per calendar quarter, by swiping the card International: Up to 6 visits per calendar year outside India via Priority Pass, for primary and add-on members	Domestic: 2 complimentary visits per quarter at select domestic airport lounges (card must be swiped; Priority Pass not valid at Indian domestic lounges from 28 Aug 2026) International: Priority Pass membership with 6 complimentary international lounge visits per anniversary year, plus 6 more on INR 3 lakh spends in that year (up to 12)
Forex markup	2% of the amount	3.5% of the amount
Network	Not stated by the bank	Not stated by the bank
Published minimum income	₹1,50,000 a month	₹50,000 a month
Status	Taking applications	Taking applications
Add-on card fee	Nil	Nil
Earned as	Reward Points	EDGE REWARD Points
Higher-reward categories	Myntra, Nykaa, Reliance Digital, Marks & Spencer: 5X Reward Points (5X Reward points will be capped at 5000 RP per month across all brands combined. Base reward points continue with no capping., calendar month)	Retail shopping: department stores, grocery stores, clothing and accessory stores: 2X: 20 EDGE REWARD Points per INR 200, about 2% value (2X on cumulative transactions up to INR 20,000 per month; above that 10 points per INR 200, ₹20,000, month)
No rewards on	Fuel Rent payments Government related transactions Wallet loads and gift or prepaid card loads (MCC 6540) EasyEMI transactions; points reversed if a purchase is converted to SmartEMI Education payments through third-party apps (from 1 Sep 2024) Online skill-based gaming (from 1 Jul 2025) Cash advances Payment of outstanding balance Card fees and charges	Insurance Rent Fuel Education Utilities and telecom Wallet Gold and jewellery Government services Gift cards Bridge fees, road fees and tolls EMI-converted transactions (points debited)
Value of a point	Exclusive Gold Catalogue (SmartBuy): 1RP = ₹0.65 Global flights and hotels: 1RP = ₹0.5; up to 70% of a travel booking; max 50,000 RP a month Airmiles: 1RP = up to 0.5 miles; max 50,000 RP a month Vouchers and catalogue: 1RP = up to ₹0.35 Cashback against statement balance: 15 paise per point from 1 Nov 2025; max 50,000 RP a month	EDGE REWARDS catalogue: Axis states the 10,000-point welcome benefit is 'worth ₹2000' (INR 0.20 a point).
Redemption fee	₹99 + GST per catalogue redemption request; ₹50 + GST per cashback redemption request	INR 99 per redemption (card page: 'Reward Redemption fee Rs. 99')
Expiry	Reward points valid for 2 years from accumulation	EDGE REWARD Points expire 3 years from allotment, or after 365 days without account activity; forfeiture 30 days after closure or MAD overdue 90+ days.
Welcome benefits	Complimentary Swiggy One and MMT Black Gold memberships on spends of ₹1 lakh within the first 90 days	10,000 EDGE REWARD Points (worth INR 2,000) on the first transaction within 30 days of issuance; not for lifetime-free cards or Burgundy account holders
Milestone benefits	₹1,500 voucher (Marriott, Myntra, Marks & Spencer or Reliance Digital) on ₹1.5 lakh spends in a calendar quarter ₹5,000 SmartBuy flight voucher on ₹5 lakh annual spends, and another ₹5,000 on ₹7.5 lakh Renewal fee waiver on ₹4 lakh annual spends	5,000 EDGE REWARD Points on spends of INR 3 lakh in a card anniversary year On INR 3 lakh anniversary-year spends: 6 extra international lounge visits, 6 extra golf rounds, and Priority Pass renewal for the next year (from 1 Oct 2026 excluded categories do not count) Annual fee waiver on INR 8 lakh spends
Fuel surcharge waiver	Fuel surcharge waiver not applicable (MITC fee table); fuel earns no reward points	1% fuel surcharge refund at all fuel stations in India on transactions of INR 400 to INR 4,000; maximum INR 400 per statement cycle; no points on fuel
Insurance cover	Primary cardholder: air accident cover USD 125,000; emergency medical expenses abroad USD 18,750; card liability ₹9,00,000; credit shield ₹9,00,000; missed connection and flight delay USD 313 each (group policy 23 Jul 2026 to 22 Jul 2027)	Purchase protection up to INR 1 lakh; cumulative cover up to USD 500 for loss of travel documents, delay of checked-in baggage and loss of checked-in baggage
Interest on unpaid balances	Up to 3.75% a month (45% a year)	Up to 3.75% a month (55.55% a year)
Late payment fee	Late payment charges (excl. GST), basis the bill amount, w.e.f. 1 Aug 2024: nil up to ₹100; ₹100 for ₹101 to ₹500; ₹500 for ₹501 to ₹1,000; ₹600 for ₹1,001 to ₹5,000; ₹750 for ₹5,001 to ₹10,000; ₹900 for ₹10,001 to ₹25,000; ₹1,100 for ₹25,001 to ₹50,000; ₹1,300 above ₹50,000. Charged when the Minimum Amount Due is not paid; account is reported past due and late fee levied only after 3 grace days from the due date.	Nil if total payment due is up to INR 500; INR 500 for INR 501 to 5,000; INR 750 for INR 5,001 to 10,000; INR 1,200 for INR 10,001 to 50,000; INR 1,300 if greater than INR 50,000; additional INR 100 if Minimum Amount Due is missed for two consecutive cycles, every cycle until MAD is cleared (MITC; INR 1,300 slab effective 28 Aug 2026)
Cash withdrawal	2.5% of the amount withdrawn or ₹500, whichever is higher, plus finance charges at the revolving rate from the date of withdrawal until full payment.	2.5% of the amount (minimum INR 500); interest at 3.75% per month from the date of withdrawal
Age (salaried)	21 to 60 years	18 to 70 years
Income (salaried)	Gross monthly income greater than ₹1.5 lakh (government employees: greater than ₹1 lakh)	Net income of at least INR 6 lakh per annum
Income (self-employed)	Income Tax Return (ITR) greater than ₹18 lakh per annum	Net income of at least INR 6 lakh per annum (page does not split by employment type)
Documents	Identity proof, address proof and income proof (HDFC Bank general guidance; the card page's document list could not be read) Existing HDFC Bank customers may not need to submit them again	PAN card photocopy Income proof: latest payslip, Form 16 or IT return Residence proof: driving licence, electricity bill or landline telephone bill
Last verified	5 November 2026	5 November 2026

Two mid-premium cards with very different entry bars

The HDFC Bank Regalia Gold Credit Card and the Axis Bank Select Credit Card sits in the same price band, ₹2,500 and ₹3,000 a year before GST, and both promise points, lounges and some lifestyle extras. Underneath they are built for different people. Regalia Gold is a travel-leaning rewards card for high earners, while Axis Select is an everyday card for the grocery and food-delivery household, with Priority Pass on top.

Who each card is for

Regalia Gold fits someone earning above ₹1.5 lakh a month gross, spending ₹4 lakh or more a year, flying abroad once or twice and happy to redeem on HDFC's Gold Catalogue or on flights and hotels. For that person it give better value on nearly every rupee, plus a 2% forex markup.

Axis Select fits a salaried or self-employed person with ₹6 lakh or more of yearly income, a big monthly grocery bill and regular Swiggy orders. Its points are thin, but its BigBasket and Swiggy discounts, used every month, is worth more than the points.

Verdict in two sentences

If you qualify for Regalia Gold and redeem with care, it beats Axis Select on rewards, on the fee waiver and on foreign spends. If you don't clear HDFC's income bar, or your money mostly goes on groceries and food delivery, Axis Select is the sensible card and its offers does the heavy lifting.

Recent changes

Regalia Gold: base earn moved to 5 points per ₹200 on 15 May 2026 (from 4 per ₹150) and Boarding Edge was added the same day. From the quarter starting 1 July 2026, domestic lounge access is 3 visits a quarter on ₹60,000 of spends in the previous quarter. Points taken as cashback have been worth 15 paise since 1 November 2025.
Axis Select: Priority Pass stopped working at Indian domestic lounges from 28 August 2026; from 1 October 2026 excluded categories no longer count toward the ₹3 lakh threshold for extra benefits; the District movie offer needs ₹25,000 of spends in the previous 3 months from 1 November 2026; and from 15 November 2026 linked memberships renew only with your explicit consent.

Both cards are active and open to new applicants.

Fees and charges side by side

Charge	HDFC Regalia Gold	Axis Bank Select
Joining fee	₹2,500 + GST	₹3,000 + GST (nil for Burgundy account holders)
Annual fee	₹2,500 + GST	₹3,000 + GST
Fee waiver	₹4 lakh of retail spends in the anniversary year	₹8 lakh of eligible spends in the preceding card year
Add-on card	Free	Free
Interest	3.75% a month, 45% a year	3.75% a month, 55.55% a year
Forex markup	2%	3.5%
Rupee payments abroad	1.75%	3.5%
Redemption fee	₹99 + GST per catalogue request, ₹50 + GST per cashback request	₹99 per redemption, ₹199 per transfer to a partner programme

With GST, Regalia Gold costs ₹2,950 a year (₹2,500 plus ₹450) and Axis Select ₹3,540 (₹3,000 plus ₹540). The waivers matter more than the sticker. HDFC wants ₹4 lakh of retail spends in your anniversary year, about ₹33,333 a month (₹4,00,000 divided by 12). Axis wants double, ₹8 lakh or about ₹66,667 a month, and it leaves out insurance, rent, fuel, education, utilities and telecom, government, wallet, gold and gift card spends when counting. Burgundy account holders pay no Select fee, though ₹3,000 plus GST comes back if the Burgundy status end.

Interest and late fees

Both charge 3.75% a month; Axis states it as 55.55% a year and HDFC as 45%. HDFC's late fee is ₹600 on a ₹1,001 to ₹5,000 bill, ₹900 up to ₹25,000 and ₹1,300 above ₹50,000. Axis charges ₹500 for ₹501 to ₹5,000, ₹1,200 for ₹10,001 to ₹50,000 and ₹1,300 above that, plus ₹100 every cycle after the minimum is missed twice in a row. HDFC levy its late fee only after 3 grace days past the due date.

Special fees

HDFC charges 1% on rent (capped at ₹4,999 per transaction), on a single fuel transaction above ₹15,000, on utilities above ₹50,000 a month, on wallet loads and gaming above ₹10,000 a month and on education paid through third-party apps, and 1% plus GST on railway tickets. Axis charges 1% on every rent payment and on app-paid education, on utilities from ₹25,000 a cycle, on wallet loads and gaming from ₹10,000 and on fuel from ₹50,000. A ₹40,000 rent payment cost ₹400 on either card (1% of ₹40,000), with no points coming back.

Rewards: what a point is worth decides everything

How each card earns

Regalia Gold: 5 Reward Points per ₹200 on eligible retail spends since 15 May 2026, with a ₹200 minimum for each transactions. Myntra, Nykaa, Reliance Digital and Marks & Spencer earn 5X, the bonus capped at 5,000 points a month across those brands while base points keep coming. Grocery, insurance, and utility and telecom points are each capped at 2,000 a calendar month, UPI purchases at 500, and one statement cycle tops out at 50,000 points.
Axis Select: 10 EDGE REWARD Points per ₹200, doubled to 20 on the retail shopping (department stores, grocery stores, clothing and accessory stores) for the first ₹20,000 of such spends each month.

What a point is worth

This is where the two cards part way. A Regalia Gold point is worth ₹0.65 on the Exclusive Gold Catalogue, ₹0.50 on flights and hotels (up to 70% of a booking), up to ₹0.35 on vouchers, and only 15 paise as cashback since 1 November 2025. So 5 points on ₹200 return ₹3.25 on the catalogue (5 times ₹0.65, or 1.625%), ₹2.50 on flights (5 times ₹0.50, or 1.25%) and a mere ₹0.75 as cashback (5 times 15 paise, or 0.375%). Axis values its welcome points at ₹2,000 for 10,000, which is ₹0.20 a point, so 10 points on ₹200 is ₹2 (1%) and the 2X rate is 2%.

The exclusions is overlapping: fuel, rent, government payments and wallet loads earn nothing on either. HDFC also excludes EMI, app-paid education and gaming; Axis excludes insurance, education, utilities and telecom, gold, gift cards and tolls. Regalia Gold points last 2 years and Axis points 3 years, or less if the account sit idle for 365 days.

Three spenders, both cards

Regalia Gold points are valued at the ₹0.65 catalogue rate and Axis points at ₹0.20, one ₹116.82 redemption (₹99 plus GST) comes off each card, and milestone vouchers count at face value. "Clothing" means department store and clothing shops.

Spender	Monthly mix	Regalia Gold points a year	Axis Select points a year	Regalia Gold a year, net	Axis Select a year, net
Light, ₹32,000	Grocery ₹10,000, clothing ₹4,000, dining ₹6,000, online ₹6,000, bills ₹4,000, fuel ₹2,000	9,000	29,000	₹2,783 (fee paid)	₹2,143 (fee paid)
Typical, ₹80,000	Grocery ₹15,000, clothing ₹5,000, Myntra and Nykaa ₹5,000, dining ₹10,000, travel ₹15,000, other shopping ₹20,000, bills ₹10,000	30,000	59,000	₹35,383 (with ₹16,000 of vouchers)	₹11,683 (fee waived)
Heavy, ₹1,50,000	Grocery ₹20,000, clothing ₹10,000, Myntra and Nykaa ₹10,000, dining ₹20,000, travel ₹40,000, other shopping ₹35,000, bills ₹15,000	57,000	98,000	₹52,933 (with ₹16,000 of vouchers)	₹19,483 (fee waived)

Light. Regalia Gold: ₹30,000 of eligible spend (fuel earns nothing) gives 750 points a month (₹30,000 divided by 200, times 5), 9,000 a year, worth ₹5,850 at ₹0.65. Yearly spend of ₹3,84,000 (₹32,000 times 12) misses the ₹4 lakh waiver, so after the ₹2,950 fee and one redemption ₹2,783 is left. Axis Select: ₹14,000 of grocery and clothing at 2X earns 1,400 points and ₹12,000 of dining and online earn 600, so 2,000 a month and 24,000 a year. Eligible spends of ₹3,12,000 (₹26,000 times 12) clear the ₹3 lakh milestone for 5,000 more, making 29,000 points worth ₹5,800, and after the ₹3,540 fee and a redemption that is ₹2,143. It's close, the Axis offers could easily tip it.

Typical. Regalia Gold: ₹75,000 of ordinary spends earn 1,875 points (₹75,000 divided by 200, times 5) and ₹5,000 at the 5X brands earn 625 (25 per ₹200), so 2,500 a month and 30,000 a year, worth ₹19,500 at ₹0.65. Each quarter's ₹2,40,000 (₹80,000 times 3) passes ₹1.5 lakh for a ₹1,500 voucher, ₹6,000 a year, and ₹9,60,000 of yearly spend crosses both the ₹5 lakh and ₹7.5 lakh flight-voucher marks for ₹10,000 more. The fee get waived, so the net is ₹35,383. Axis Select: the first ₹20,000 of grocery and clothing earns 2,000 points and ₹50,000 of other eligible spends earn 2,500, so 4,500 a month and 54,000 a year, plus 5,000 at ₹3 lakh, or 59,000 points worth ₹11,800. ₹8,40,000 of eligible spends (₹70,000 times 12, bills excluded) waive the fee, leaving ₹11,683.

Heavy. Regalia Gold: ₹1,40,000 of ordinary spends earn 3,500 points and ₹10,000 at 5X earn 1,250, which is 4,750 a month and 57,000 a year worth ₹37,050, and the same ₹16,000 of vouchers makes the net ₹52,933. Axis Select: ₹30,000 of grocery and clothing earns 2,000 points on the first ₹20,000 and 500 on the rest, and ₹1,05,000 of other eligible spends earn 5,250, so 7,750 a month, 93,000 a year, and with the 5,000 bonus 98,000 points worth ₹19,600, or ₹19,483 net.

Two warning go with these sums. Take Regalia Gold points as cashback and the typical year's 30,000 points are worth only ₹4,500 (30,000 times 15 paise), so the catalogue or flights is the only sensible route. And Axis Select's offers sit outside the table: ₹500 off a ₹2,500 BigBasket order once a month is up to ₹6,000 a year (₹500 times 12), and ₹200 off a ₹1,000 Swiggy order twice a month up to ₹4,800 (₹200 times 2 times 12), which for a light spender are worth more than all the points.

Lounges, forex, insurance and extras

Lounge access

Regalia Gold gives 3 domestic lounge visits a calendar quarter if you spent ₹60,000 or more in the previous quarter, and up to 6 visits a year outside India through Priority Pass for primary and add-on members; you ask for the Priority Pass through phone banking after at least 4 transactions. Axis Select gives 2 domestic visits a quarter by swiping the card if you spent ₹50,000 in the last 3 months, and 6 international Priority Pass visits a card year, with 6 more (up to 12) once you spend ₹3 lakh in that year. Since 28 August 2026 the Priority Pass on Select don't get you into Indian domestic lounges.

Spending abroad

Regalia Gold's 2% markup against 3.5% on Select is a real saving for travellers. On ₹1 lakh of foreign spends Regalia Gold costs ₹2,360 (2% plus 18% GST) and Select ₹4,130 (3.5% plus GST), a gap of ₹1,770, which alone cover more than half of Regalia Gold's fee. Paying in rupees abroad costs 1.75% on HDFC and 3.5% on Axis.

Fuel, insurance and the rest

Fuel: Regalia Gold has no fuel surcharge waiver. Select refunds the 1% surcharge on fills of ₹400 to ₹4,000, up to ₹400 a statement cycle.
Insurance: HDFC's group policy for 23 July 2026 to 22 July 2027 names Regalia Gold, with air accident cover of USD 125,000, emergency medical expenses abroad of USD 18,750, card liability and credit shield of ₹9,00,000 each, and USD 313 each for a missed connection or a flight delay. Select lists purchase protection up to ₹1 lakh and a combined USD 500 for lost travel documents and delayed or lost checked baggage.
Welcome: Regalia Gold gives Swiggy One and MMT Black Gold memberships on ₹1 lakh of spends in the first 90 days. Select gives 10,000 points, worth ₹2,000, on the first transaction within 30 days, though not to Burgundy or lifetime-free cardholders.
Extras: Regalia Gold's Boarding Edge give any 2 of a spa visit, an Uber airport transfer, hotel dining or a room upgrade each calendar quarter when you upload a boarding pass on SmartBuy. Select adds 6 golf rounds a year, and 6 more at ₹3 lakh of spends.

For a frequent flyer the HDFC package is clearly more richer. For someone who flies once a year, Select's golf and food offers may get more use.

Eligibility: the biggest gap between the two

Rule	HDFC Regalia Gold	Axis Bank Select
Age	21 to 60 (salaried), 21 to 65 (self-employed)	18 to 70
Income, salaried	Gross monthly income above ₹1.5 lakh (government employees above ₹1 lakh)	Net income of at least ₹6 lakh a year
Income, self-employed	ITR above ₹18 lakh a year	Net income of at least ₹6 lakh a year
Documents	Identity, address and income proof	PAN, payslip, Form 16 or ITR, and a residence proof
How to apply	HDFC Bank online or at a branch	Axis website, Axis Mobile app or a branch

On eligibility the cards are not even in the same league. HDFC wants a gross monthly income above ₹1.5 lakh, which is ₹18 lakh a year (₹1.5 lakh times 12), or above ₹1 lakh for government employees, and an ITR above ₹18 lakh for the self-employed. Its FAQ talks of net monthly income where the eligibility section say gross, so expect the bank to look at take-home pay too. Axis asks for ₹6 lakh a year of net income, about ₹50,000 a month, for everyone aged 18 to 70.

So a salaried person earning between ₹50,000 and ₹1.5 lakh a month can realistically apply only for Select out of the two. HDFC's FAQ adds that a rejected applicant can re-apply after six months, good to know before you apply again in a hurry.

Whichever you pick, the decision rest with the bank. The RBI's 2025 card Directions require it to assess your independent financial means and the card limits you already hold, and to give the specific reasons in writing if it declines you. On Experian's 300 to 900 scale a score above 750 is generally considered good. Our eligibility criteria guide walks through what banks check.

Pros and cons

Pros

Regalia Gold points are worth up to ₹0.65 on the Gold Catalogue, about 1.6% back on base spends
Regalia Gold's 2% forex markup beats the 3.5% on Axis Select
Regalia Gold's fee is waived at ₹4 lakh of yearly spends, half the ₹8 lakh Axis Select asks
Axis Select's income bar is ₹6 lakh a year, far below HDFC's ₹1.5 lakh a month
Axis Select gives ₹500 off on BigBasket once a month and ₹200 off on Swiggy twice a month
Axis Select allows up to 12 Priority Pass visits a year plus 6 golf rounds

Cons

Regalia Gold points are worth only 15 paise each as cashback
Regalia Gold has no fuel surcharge waiver, and its domestic lounges need ₹60,000 of quarterly spend
Axis Select points are worth about ₹0.20 each, roughly 1% back
Axis Select leaves utilities, insurance, education and fuel out of both points and the fee waiver
Both cards charge 3.75% a month interest on unpaid balances

Frequently asked questions

Which is better, HDFC Regalia Gold or Axis Bank Select?

For most people who qualify, Regalia Gold. Its 5 points per ₹200 are worth up to ₹3.25 on the Gold Catalogue, against ₹2 for 10 Axis points per ₹200, and its fee is waived at ₹4 lakh of yearly spends instead of ₹8 lakh. Axis Select is better if you earn below HDFC's ₹1.5 lakh monthly bar or use its BigBasket and Swiggy offers every month.

On which card is the annual fee easier to get waived?

Regalia Gold. HDFC Bank waives its ₹2,500 plus GST renewal fee once you make ₹4 lakh of retail spends in your anniversary year. Axis Bank waives the ₹3,000 plus GST Select fee only at ₹8 lakh of eligible spends in the preceding card year, and insurance, rent, fuel, utilities, education, wallet, gold and gift card spends do not count.

What is a Regalia Gold point worth compared with an Axis EDGE point?

A Regalia Gold point is worth ₹0.65 on HDFC's Exclusive Gold Catalogue, ₹0.50 on flights and hotels, up to ₹0.35 on vouchers and 15 paise as cashback since 1 November 2025. Axis values Select's welcome points at ₹2,000 for 10,000, or ₹0.20 each. Per ₹200 spent, that is up to ₹3.25 on Regalia Gold and ₹2 on Select.

What income do I need for Regalia Gold or Axis Select?

HDFC Bank asks salaried Regalia Gold applicants for a gross monthly income above ₹1.5 lakh, or above ₹1 lakh for government employees, and self-employed applicants for an ITR above ₹18 lakh. Axis Bank asks for a net income of at least ₹6 lakh a year for Select, with an age range of 18 to 70. Approval is the bank's decision.

Which card has better lounge access and forex rates?

Regalia Gold has the lower forex markup, 2% against 3.5%, and gives 3 domestic visits a quarter after ₹60,000 of spends plus 6 Priority Pass visits a year abroad. Axis Select gives 2 domestic visits a quarter after ₹50,000 of spends in 3 months and 6 Priority Pass visits a card year, rising to 12 once you spend ₹3 lakh.

What changed on HDFC Regalia Gold in 2026?

From 15 May 2026 Regalia Gold earns 5 Reward Points per ₹200 instead of 4 per ₹150, and Boarding Edge benefits were added. From the quarter starting 1 July 2026, domestic lounge access needs ₹60,000 of spends in the previous quarter. Earlier, from 1 November 2025, points redeemed as cashback fell to 15 paise each.

Sources

HDFC Bank: Part I Key Fact Statement cum Most Important Terms and Conditions (MITC), English, Version 4.18; Rewards Points Program Terms and Condition (Regalia Gold); Regalia Gold Credit Card Fees & Charges; Regalia Gold Credit Card Fees & Charges (FAQ); HDFC Bank Regalia Gold Key Features (microsite)
Axis Bank: Most Important Terms and Conditions (MITC), PDF dated 8 October 2026; Terms & Conditions for Priority Pass membership on Axis Bank Select Credit Card; Revision of SELECT Credit Card Terms and Conditions (effective 28-08-2026, 01-10-2026, 01-11-2026, 15-11-2026); Key Fact Sheet (schedule of charges), last updated 8 October 2026
Business Today: New rules for Axis Bank credit cards valid from December 20

Last verified: 5 November 2026

Written by Pankaj Pandey, reviewed by BankCreds Financial Experts

BankCreds does not sell cards or take applications. Fees and rewards change; the bank's own terms on the day you apply are what count, and approval is the bank's decision.