Compare : HDFC Regalia Credit Card vs Axis Neo Credit Card

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100% cashback of up to Rs. 300 on the first utility bill payment done within the first 30 days of card issuance

4 reward points per Rs. 150 spent on all retail spends

1 EDGE reward point per Rs. 200 spent, redeemable against products available in the EDGE Rewards Catalogue

Up to 8 complimentary airport lounge visits within India and up to 6 lounge access per year outside India via Priority Pass

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Good reward rate across all categories

Multiple redemption options

Complimentary lounge access

Low forex mark-up fee

Up to 40% off on online spends made on partner platforms

Hassle-free value-back program of direct discount on multiple platforms, like Zomato, Blinkit, BookMyShow, Myntra, etc.

Savings worth up to Rs. 500 every month on dining bills

Low card annual fee

Lounge access is subject to reaching spend milestones

Spend threshold for milestone benefits is too high

Low reward points earning rate on card spends

Capping on discount benefits offered on online spends

People who can satisfy the fee waiver and lounge access spending conditions to make the most of the card features and those who frequently dine out

Frequent online shoppers looking for a credit card offering co-branded discounts at a minimal annual fee