HDFC Bank Regalia vs Axis Bank Ace Credit Card

HDFC Bank Regalia vs Axis Bank Ace Credit Card

Regalia and Ace are two of the most popular credit cards from HDFC Bank and Axis Bank. While Regalia has been around for almost 10 years now, Ace is a recent launch. The key difference is the rewards methods for these cards. Regalia is a ‘reward points’ card while Ace is a ‘cashback’ card. Here is a comparison of the HDFC Bank Regalia vs Axis Bank Ace credit card to help you decide.

Fees and Charges

Axis Ace has a lower fee but Regalia is issued LTF in most cases with Smartpay/spend conditions. Considering this, Regalia is a better option.

LTF IndusInd Bank Credit Cards
HDFC Bank Regalia Credit CardAxis Bank Ace Credit Card
Joining/Renewal FeeRs 2500 – Issued LTF in most casesRs 499
Welcome Benefit2500 Reward Points if the joining fee is paidSpend Rs 10000 within 45 days to waive the joining fee
Renewal Fee WaiverRs 3 Lakhs spend in a membership yearRs 2 Lakhs spend in a membership year
Renewal Benefit2500 Reward Points if the renewal fee is paid None
HDFC Bank Regalia vs Axis Bank Ace Credit Card – Fees and Charges


Ace has an edge here as it offers direct cashback. Regalia has a low conversion rate for converting reward points to cashback. But again, we can do a lot more with Regalia reward points as we will see in the rewards redemption section.

HDFC Bank Regalia Credit Card (Reward Points)Axis Bank Ace Credit Card (Cashback)
Base Rewards4 RP / Rs 1502%
Weekend Dining Spends2X Rewards or 8 RP / Rs 150 up to 500 RP per day2%
Google Pay Bill Payments4 RP / Rs 150 5%
Wallet LoadsNo RewardsNo Rewards
Milestone RewardsA. Bonus 10,000 Reward Points on Rs 5 Lakhs spends in a membership year

B. Additional 5,000 Reward Points on Rs 8 lakhs spends
HDFC Bank Regalia vs Axis Bank Credit Card – Rewards

Smartbuy Rewards

This is where Regalia has an edge. Smartbuy spends lift Regalia’s reward rate much above the usual 2%. We can buy Amazon Pay gift cards from Smartbuy to get 6.3% on recharges/bill payments. This is more than what Ace offers with Google Pay.

Shopping CategorySmartbuy CashbackTotal Cashback for Regalia
Instant Vouchers5%6.3%
MakeMyTrip – Hotels10%11.3%
Imagine (Apple Reseller)5%6.3%

Rewards Redemption

Axis Ace offers direct cashback that is credited one month after statement generation. There is no minimum cashback that needs to be accumulated.

LTF IDFC First Bank Credit Cards

Regalia has many rewards redemption options.

Redemption OptionHDFC Bank Regalia Credit Card Value of 1 RP
Smartbuy (Flights/Hotels)50 paise
Airmiles – Intermiles, Singapore Airlines (Krisflyer), Club Vistara0.5 Airmiles
Rewards Catalogue (Including Vouchers)20 paise to 35 paise
Cashback20 paise

Airport Lounge Access

The Regalia again has an edge here. Not only do we get more complimentary lounge accesses, but we also get access via Priority Pass.

HDFC Bank Regalia Credit CardAxis Bank Ace Credit Card
Lounge Access12 complimentary lounge access within India every year

6 complimentary lounge access outside India every year
4 complimentary airport lounge access in a year

Which card is better – Regalia vs Ace?

When to choose HDFC Bank Regalia credit card?

  • You travel or plan to travel occasionally. Regalia reward points can be a huge saver here.
  • You can use Smartbuy purchases to the maximum for higher savings.
  • Your spends are high to get milestone reward benefits.
  • The target is to upgrade to Infinia in the future.

When to choose Axis Bank Ace credit card?

  • You want a simple cashback card with predictable cashback on every transaction.
  • Spends are low.
  • No plans to use credit card points for travel.
Axis Bank My Zone Credit Card LTF
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2 thoughts on “HDFC Bank Regalia vs Axis Bank Ace Credit Card”

  1. Is there a difference between the longe access via directly the card vs the priority pass ?

    How is lounge access via priority pass an advantage ?

    1. Card Maven

      More number of lounge accesses with Visa and Priority Pass combined.

      Priority Pass also enables lounge access outside India.

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