Check below for a comparison between Axis Bank Ace credit card vs HDFC Regalia credit card or HDFC Regalia credit card vs Axis Bank Ace credit card and find which is better –

Overview of Ace credit card

Provided by Axis Bank, the ACE Credit Card is a cashback-oriented card, promising substantial cashback rewards for each transaction.

Receive a 5% cashback on Bill Payments and mobile recharges using Google Pay, a 4% cashback on Swiggy, Zomato, Ola, and a 2% cashback on all remaining expenditures.

Cardholders of the Axis Bank ACE Credit Card can expect a fair credit limit. However, this limit is not uniform and depends on individual factors like income, relationship with the bank, credit history, and more.

Generally, a higher credit score corresponds to a more generous credit limit, but users can inquire about increasing their limit by contacting the card issuer.

Overview of HDFC Regalia credit card

With an emphasis on travel and lifestyle advantages, the HDFC Bank Regalia Credit Card sets itself apart with a rewarding points structure.

Uncover the intricacies of this high-end credit card, including features, benefits, fees, and eligibility.

With an annual charge of Rs 2,500, this card extends a cordial welcome with 2,500 bonus Reward Points. Spanning lifestyle, travel, and dining, the HDFC Regalia Card stands out for its array of advantages, solidifying its position as one of HDFC’s premier credit cards.

Upholding its commitment to luxury and travel privileges, the card provides complimentary Airport Lounge Access both domestically and internationally.

Earning 4 Reward Points for every Rs. 150 spent on the card enables redemption across diverse categories, each valued at up to Re. 0.5 per point.

Significantly, the card maintains a low foreign currency markup, making it a preferred choice for international transactions.

Additionally, the card features commendable dining benefits and 24X7 Concierge services.

Axis Bank Ace credit card vs HDFC Regalia credit card

Features/Charges	Axis Bank Ace Credit Card	HDFC Regalia credit card
Joining Fees	If you spend Rs. 10,000 within 45 days of receiving the card, the Rs. 499 joining fee will be reversed.	Rs. 2500 + Taxes
Annual Fees	2^nd year onward: Rs. 499	Rs. 2500 + Taxes
Welcome Benefits	N/A	A warm welcome awaits you, along with 2,500 bonus Reward Points.
Cashback / Rewards point	Avail a 5% cashback on bill payments, DTH recharges, and mobile recharges made through Google Pay, and receive 4% cashback on Swiggy, Ola, and Zomato. Additionally, benefit from a 2% cashback on all other expenditures.	Earn 4 Reward Points for every Rs. 150 expenditure.
Dining benefits	Access a 20% discount on dining at affiliated restaurants through Axis Bank’s ‘Dining Delights’ program using this card.	Embrace the privileges of an exclusive dine-out passport membership, which includes an additional 5% discount and early entry to numerous festivals and events held at select hotels.
Travel benefits	With this card, you can enjoy the privilege of up to four complimentary visits to domestic airport lounges.	Obtain complimentary access to Domestic and International Lounges, coupled with the added advantage of inclusive Travel Insurance.
Annual fees waiver	If your annual spends go over Rs. 2,00,000, you won’t be charged the annual fee.	Get the annual fee canceled by making purchases totaling 3 lakhs or more with this card.
Fuel surcharge waiver	Receive a 1% fuel surcharge waiver when you use this card at any fuel pump in India.	Qualify for a 1% waiver on fuel surcharge for transactions falling between Rs. 400 and Rs. 5000.