Axis Bank Burgundy Private Credit Card vs HDFC Bank Regalia Gold Credit Card

• Avail 30,000 Welcome Edge Reward points on the first transaction
• Till payment due date, no cash withdrawal charges or interest levied 
• Complimentary EazyDiner Prime membership for savings up to 25% or more at fine dining restaurants
• Get unlimited lounge access at international airports for Priority Pass holders and add-on Priority Pass holders (12 visits for guests). Get unlimited lounge access at domestic airports for primary and add-on cardholders (12 visits for guests, per card)
• Complimentary hotel and dining memberships, including Club Marriott, Accor Plus, and Taj Epicure
• Diagnoses at leading medical institutions, and avail global travel and medical assistance during international travel

* Get Rs. 1,500 worth vouchers on quarterly spends of Rs. 1.5 lakh
* Get Rs. 5,000 worth flight vouchers on annual spends of Rs. 5 lakh and an additional voucher of Rs. 5000 on spends of Rs. 7.5 lakhs
* Avail 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital: Earn 20 Reward Points on every Rs.150  retail spends at Marks & Spencer, Myntra, Reliance Digital, Nykaa
* Earn 4 Reward Points on every Rs. 150 spent on retail spends including Insurance, Utilities and Education
* Exclusive 24/7 Concierge Services
* Avail 12 complimentary access both at domestic and international terminals
* Using Priority Pass, cardholder and an add-on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India
* Enjoy great dining benefits with the Good Food Trail program: Up to 20% savings on all restaurant bill payments via Swiggy Dineout. Offer inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done via the Swiggy App
* Get Rs. 1,500 worth vouchers from Marriott, Myntra, Marks & Spencer or Reliance Digital when you spend Rs. 1.5 Lakhs in every calendar quarter
* In an anniversary year (12 billing cycles), spend Rs. 4 Lakhs to get Renewal Fee waived for next renewal year
* You can convert big spends into EMI after purchase
* HDFC Bank Regalia Gold Credit Card is enabled for contactless payments
* Accidental air death cover worth Rs. 1 Crore
* Emergency overseas hospitalization cover up to Rs. 15 lakhs
* Credit Liability cover up to Rs. 9 Lakhs  
* Zero Lost card liability

Pros

• 15 EDGE REWARD points for every Rs. 200 spent on the card
• Concierge Services
• 50 complimentary rounds of Golf per year
• Complimentary ticket on every ticket purchased for 5 movies and 5 non-movie shows, per month, on BookMyShow

Cons

• High Joining and Annual Fees
• No fuel surcharge wavier 

Pros

* Enjoy Revolving Credit on HDFC Bank Regalia Gold Credit Card at nominal interest rate
* Get Rs. 5,000 worth flight vouchers when spending Rs. 5 Lakhs in an anniversary year 
* Avail additional Rs. 5,000 worth flight vouchers when spending Rs. 7.5 Lakhs in an anniversary year 

Cons

* No Golf benefits
* There is a capping on grocery purchase
* Rewards are in form of vouchers