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Axis Bank SELECT vs HDFC Regalia Gold (2026)

HDFC Regalia Gold vs Axis Bank SELECT: which wins?

The call

HDFC Regalia Gold takes it. HDFC Regalia Gold takes 8 of the 8 rounds we can score.

Verified · 22 documents

₹83,997

ranking value a year at ₹3L a month, to HDFC Regalia Gold

Skip the duel — the board, ranked → · nothing to sign up for

₹3,000 of Priority Pass international lounges vs ₹2,500 of transferable HDFC points — the lounge card against the mid-premium all-rounder, both redeeming below their sticker.

HDFC Regalia Gold out-earns Axis Bank SELECT at every spend level we model, from ₹25k to ₹5L a month.

#54 Keep
Axis Bank SELECT credit card
Axis Bank SELECT
1.0 %
headline earn rate
₹37,000 ranking value a year at ₹3L/month
0 of 8 rounds won
Full review →
#8 Keep
HDFC Regalia Gold credit card
HDFC Regalia Gold
1.6 %
headline earn rate
₹83,997 ranking value a year at ₹3L/month
8 of 8 rounds won
Full review →
Every metric, row by row — 12 compared

Head to head

Axis Bank SELECT versus HDFC Regalia Gold, metric by metric. The metric runs down the centre; each card's values face it from its own side, and a gold edge on the centre line marks the round winner.
Axis Bank SELECT Metric HDFC Regalia Gold
#54 Our rank #8 — wins this row
₹3,000/yr Fee — joining · annual (+ GST) ₹2,500/yr — wins this row
₹8,00,000 spend Fee waiver ₹4,00,000 spend
3.5% + GST. Dynamic currency conversion markup 3.5% since 28 August 2026, up from 1.5%, per the bank-wide revision notice. Forex markup 2% + GST — wins this row
3.75%/mo (55.55%/yr, compounded as quoted by Axis) — Axis standard tier APR 3.75%/mo (45%/yr)
1.0% Headline earn rate 1.6% — wins this row
Axis EDGE Reward Points Currency HDFC Reward Points
₹0.40/pt † House value ₹1.00/pt †
10,000 EDGE Reward Points (₹2,000) on first transaction within 30 days Welcome benefit Complimentary Swiggy One + MMT Black Gold memberships, on ₹1L spend in the first 90 days
667 of 793 Lounge doors opened 735 of 793 — wins this row
₹6L+/yr net (official product page) Income — salaried ₹1.5L+/month net (private); ₹1L+/month (govt)
not published Income — self-employed ITR ₹18L+/yr

† Axis Bank SELECT: Axis Select redeems EDGE Reward Points at ~₹0.20 on the rewards portal — Axis prices the 10,000-point welcome at ₹2,000 itself — which is half the ₹0.40 house value the premium Axis cards reach via 5:2 partner transfers. Select transfers out in the 10:1 bucket (5:1 to ITC, SpiceJet and AirAsia), so the ₹0.40 mile is not available to it. Our 1.0% headline prices that haircut in.

† HDFC Regalia Gold: One catch on that ₹1.00: Regalia Gold can't reach it. Its points cap out at ₹0.65 (Gold Catalogue) or ₹0.50 (flights/hotels) — a 35–50% haircut vs the HDFC house value. Our 1.6% reward rate already prices that in.

Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →

The ₹ face-off at ₹1L/₹3L/₹5L a month

Ranking-value face-off

Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.

Axis Bank SELECT HDFC Regalia Gold
at ₹1L/month
Axis Bank SELECT: ₹14,800
HDFC Regalia Gold: ₹38,666 wins
at ₹3L/month
Axis Bank SELECT: ₹37,000
HDFC Regalia Gold: ₹83,997 wins
at ₹5L/month
Axis Bank SELECT: ₹61,000
HDFC Regalia Gold: ₹1,29,328 wins

HDFC Regalia Gold out-earns Axis Bank SELECT at every spend level we model, from ₹25k to ₹5L a month.

How the gap moves with spend — a 20-step sweep from ₹0.25L to ₹5L/month

How the gap moves with spend

HDFC Regalia Gold leads at all 20 steps, but not by the same amount: ₹1,716 at ₹0.25L a month, ₹68,328 at ₹5L — the gap fans out with spend, widest at ₹5L (₹68,328).

Axis Bank SELECT draws above the line, HDFC Regalia Gold below · ₹0.25L to ₹5L a month, step by step
Ranking value for each card at every ₹25,000 step of monthly spend, with the gap between them and the card in front at that level.
Monthly spend Axis Bank SELECT HDFC Regalia Gold In front
₹0.25L ₹1,450 ₹3,166 HDFC Regalia Gold by ₹1,716
₹0.5L ₹4,900 ₹22,333 HDFC Regalia Gold by ₹17,433
₹0.75L ₹11,350 ₹32,999 HDFC Regalia Gold by ₹21,649
₹1L ₹14,800 ₹38,666 HDFC Regalia Gold by ₹23,866
₹1.25L ₹18,250 ₹44,332 HDFC Regalia Gold by ₹26,082
₹1.5L ₹21,100 ₹49,998 HDFC Regalia Gold by ₹28,898
₹1.75L ₹23,650 ₹55,665 HDFC Regalia Gold by ₹32,015
₹2L ₹26,200 ₹61,331 HDFC Regalia Gold by ₹35,131
₹2.25L ₹28,750 ₹66,998 HDFC Regalia Gold by ₹38,248
₹2.5L ₹31,300 ₹72,664 HDFC Regalia Gold by ₹41,364
₹2.75L ₹34,000 ₹78,330 HDFC Regalia Gold by ₹44,330
₹3L ₹37,000 ₹83,997 HDFC Regalia Gold by ₹46,997
₹3.25L ₹40,000 ₹89,663 HDFC Regalia Gold by ₹49,663
₹3.5L ₹43,000 ₹95,330 HDFC Regalia Gold by ₹52,330
₹3.75L ₹46,000 ₹1,00,996 HDFC Regalia Gold by ₹54,996
₹4L ₹49,000 ₹1,06,662 HDFC Regalia Gold by ₹57,662
₹4.25L ₹52,000 ₹1,12,329 HDFC Regalia Gold by ₹60,329
₹4.5L ₹55,000 ₹1,17,995 HDFC Regalia Gold by ₹62,995
₹4.75L ₹58,000 ₹1,23,662 HDFC Regalia Gold by ₹65,662
₹5L ₹61,000 ₹1,29,328 HDFC Regalia Gold by ₹68,328
Transfer reach — 27 vs 22 live routes

Transfer reach

27
live transfer routes from Axis EDGE Reward Points
Axis Bank SELECT
22
live transfer routes from HDFC Reward Points
HDFC Regalia Gold
3 shared routes · 3 only Axis Bank SELECT · 3 only HDFC Regalia Gold — the full partner lists

Both reach

  • Singapore Airlines KrisFlyer 10:1 vs 2:1
  • Finnair Plus (Avios) 10:1 vs 2:1
  • Qatar Airways Privilege Club (Avios) 10:1 vs 100:33

Only Axis Bank SELECT

  • Ethiopian ShebaMiles
  • Hilton Honors
  • IndiGo BluChip

Only HDFC Regalia Gold

  • Marriott Bonvoy
  • Avianca LifeMiles
  • Club ITC

Full route maps on each card page, best ₹/point routes on the optimizer →

What to watch out for — 6 points

What to watch out for

Axis Bank SELECT · 7 more →

  • 1% is the real everyday rate — 10 EDGE/₹200 at Select's ₹0.20 portal redemption
  • The 2% is scoped to 'Retail Shopping' MCCs (dept stores, grocery, apparel) AND capped at ₹20,000 of spend a month
  • Select redeems EDGE points at ~₹0.20 — half the ₹0.40 transfer value the premium Axis cards reach

HDFC Regalia Gold · 5 more →

  • Cashing out to your statement is ₹0.15 a point, down from ₹0.20 — HDFC's MITC dates it 1 Nov 2025, though its own page printed ₹0.20 until Jul-2026 and still does in one place
  • Jul-2026: 3 domestic lounge visits/quarter now need ₹60k prior-quarter spend
  • May 2026 cut lowered the effective earn ~6%

The call

For the ₹1L/month spender, HDFC Regalia Gold nets ₹38,666 against ₹14,800 — a ₹23,866 gap. At ₹5L/month, HDFC Regalia Gold nets ₹1,29,328 against ₹61,000 — a ₹68,328 gap. Lounge chasers: HDFC Regalia Gold opens 735 of 793 tracked doors to Axis Bank SELECT's 667.

Our standing verdicts: Axis Bank SELECT — Keep; HDFC Regalia Gold — Keep. HDFC Regalia Gold takes 8 of the 8 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →

Common questions — 5 answered

Straight answers

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

HDFC Regalia Gold. HDFC Regalia Gold takes 8 of the 8 rounds we can score. HDFC Regalia Gold out-earns Axis Bank SELECT at every spend level we model, from ₹25k to ₹5L a month.

Axis Bank SELECT or HDFC Regalia Gold — which earns more at ₹3L a month?

At ₹3L a month, HDFC Regalia Gold nets ₹83,997 against ₹37,000 — a ₹46,997 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.

Which costs less to hold, Axis Bank SELECT or HDFC Regalia Gold?

HDFC Regalia Gold — ₹2,500/yr against ₹3,000/yr. Axis Bank SELECT waives its fee at ₹8,00,000 of spend; HDFC Regalia Gold at ₹4,00,000 of spend.

Which gets you into more airport lounges, Axis Bank SELECT or HDFC Regalia Gold?

Lounge chasers: HDFC Regalia Gold opens 735 of 793 tracked doors to Axis Bank SELECT's 667. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.

How current is this comparison?

Card records last re-verified against their issuers' own documents: Axis Bank SELECT on 2026-09-03, HDFC Regalia Gold on 2026-08-17. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.

Verified against Axis Bank and HDFC Bank's own documents on · the ranking model, at our house ₹/point

Every document behind this page — 22 of them, each with the day we read it
  1. official Axis Bank SELECT product page — "Earn 10 Axis EDGE points on every ₹200 spent"
  2. official Priority Pass T&C for the Axis Bank Select Credit Card — 6 complimentary international visits per anniversary year, plus 6 additional only on spends above ₹3 lakh
  3. official SELECT T&C revision eff. 20-Jun-2025 — excluded categories for reward earn and the spend-based fee waiver (Utility & Telecom, Rent, Wallet, Government, Insurance)
  4. official Axis Bank Key Fact Sheet, updated 12-Aug-2026 — SELECT joining ₹3,000 / annual ₹3,000 (waived for Burgundy account holders), waived at ₹8,00,000 preceding-year spend
  5. official Axis Bank Points/Miles Transfer ratio table — "Select, Privilege & REWARDS credit card" convert 10 EDGE Reward Points to 1 partner point (5:1 for ITC, SpiceJet and AirAsia)
  6. official Travel EDGE Points/Miles Transfer T&C — the per-partner grid effective 2-Apr-2026 confirms the "Select, Privilege, Rewards" column at 10:1 to every partner except ITC
  7. official Axis Bank Domestic Airport Lounge Access Program — "Axis Bank Select Credit Card (2 complimentary lounge access per quarter)" in Set B
  8. official SELECT revision notice (published 27-Jul-2026) — 28-08-2026: DCC markup 1.5% → 3.5%, ₹1,300 late-payment slab above ₹50,000, payment appropriation order
  9. community CardInsider review — 5,000 EDGE-point milestone at ₹3L annual spend, ₹2,000 welcome
  10. community Finology — SELECT is powered by Visa (single network)
  11. official Product page — "5 Reward Points on every Rs. 200 spent"
  12. official HDFC Bank Key Fact Statement cum MITC, version 4.6 dated August 2026 — clause I(x) prices a Regalia Gold point at 15 paise against the statement balance, with effect from 1 November 2025
  13. official Product-feature-change notice PDF — Boarding Edge and "Earn 5 Reward Points for every ₹200 spent" both effective 15th May 2026
  14. official Regalia Gold Rewards Points Program T&C — the 50,000 RP/month cap on MILES TRANSFERS, the four named 5X merchants, and the 1.75% dynamic & static conversion markup "W.e.f 15th May, 2026"
  15. official Product page (AMP mirror) — ₹4L waiver, 5X brands, milestones, redemption grid
  16. community CardInsider — May-2026 revision (5 RP/₹200, ₹60k lounge gate w.e.f. 1-Jul-2026, DCC 1.75%)
  17. community CardExpert — 3 visits/qtr behind ₹60k gate, PP 6/yr unchanged, Boarding Edge
  18. community CardInsider — RuPay Select variant launch (9-Oct-2025)
  19. community TechnoFino — issued on both Visa Signature and Mastercard World
  20. community CardInsider forex table — Regalia Gold 2% forex markup (below the 3.5% norm)
  21. community pointsmath HDFC transfer grid — the eligibility check for our 22 routes; Only Infinia, Diners Club Black and Regalia Gold have "all 21 transfer partners available"
  22. official HDFC's BANK-WIDE 15-May-2026 revision notice — its accrual table names "Regalia Gold | 5 | 200", corroborating the card-specific product-feature-change PDF

Something stale or wrong? The document wins — tell us →