HDFC Regalia Gold vs Axis Burgundy Private
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Axis Burgundy Private wins 5-3. Private-banking-tied super-premium, fee waived with banking AUM. HDFC Regalia Gold is still the right call if mid-tier travel + dining without the diners black price tag.
Side-by-side
| Criterion | HDFC Regalia Gold | Axis Burgundy Private |
|---|---|---|
| Annual fee | · ₹2,500 | No annual fee |
| Joining fee | · ₹2,500 | None |
| Top reward rate | · 4% (general) | 5% (general) |
| Base reward rate | · 4% | 5% |
| Forex markup | · 2% | No FX fee |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = Burgundy Private banking relationship + 50K points |
| Fee waiver threshold | ₹400,000 / yr | · N/A (no fee) |
| Min income | ₹1,200,000 | · ₹10,000,000 |
| Min credit score | 770 | · 800 |
| Editorial rating | = 4.6/5 | = 4.6/5 |
Benefits compared
HDFC Regalia Gold
- 5x reward points on travel + dining via SmartBuy
- 4 complimentary international lounge visits per year (Priority Pass)
- 12 complimentary domestic lounge visits per year
- Annual memberships: Club Vistara Silver, MMT Black Elite
- Low forex markup: 2%
- Milestone benefits at ₹1.5L, ₹3L and ₹4L spend
Axis Burgundy Private
- 5 EDGE points per ₹100
- Unlimited international + domestic lounge access
- Annual fee waived for Burgundy Private clients (₹5Cr+ AUM)
- 0% forex markup on travel via Travel EDGE
- Dedicated relationship manager + concierge
FAQ
›HDFC Regalia Gold vs Axis Burgundy Private: which is better?
Axis Burgundy Private wins on more dimensions (5 vs 3). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use HDFC Regalia Gold for its best categories, Axis Burgundy Private for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Regalia Gold: 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher. Axis Burgundy Private: Burgundy Private banking relationship + 50K points.