Axis Bank Privilege Credit Card vs HDFC Regalia Credit Card

• Milestone Benefit: Avail additional 10,000 Edge reward points worth Rs. 2000 upon achieving spends milestone of Rs. 5 lakh in a card anniversary year

• Annual fees reversal on achieving spends of Rs. 5 Lakhs in the previous card anniversary year
• 2 Complimentary access per calendar quarter to select domestic lounges. Do note to be eligible for the access you have to do 50K spends in prior 3 months
• With EazyDiner, Axis Bank Dining Delights program, get Rs. 1000 off and more
• Fuel surcharge refund on spends at all fuel stations across India. Avail  this offer on transactions between Rs. 400 and Rs. 4,000 only.
• Get Axis EDGE REWARD points for transactions and 500+ rewards and offers to redeem points. Avail points for the following transaction: 10 points on every Rs 200 Spent on the credit card domestically/Internationally
• Purchase Protection Plan up to Rs. 1 Lakhs
• Credit Shield 1 Lakh
• Loss Travel Documents Cover up to 300 USD
• Delay of Check-in Baggage cover up to 300 USD
• Loss of Check-in Baggage Cover up to 500 USD

• Complimentary Airport Lounge Access within India: Lounge access program will now be based on the credit card spends. Spend Rs. 1 Lakh or more in a calendar quarter (Jan-Mar | Apr-Jun |Jul-Sept | Oct-Dec). Choose up to 2 complimentary lounge access vouchers as your Quarterly Milestone Benefit
• International Lounge access using priority pass is not based on spends: Cardholders can apply for Priority Pass once they complete minimum 4 retail transactions on the card. Do note that Rupay cards are not eligible for priority pass. Using Priority Pass, avail up to 6 Complimentary Lounge Access per calendar year, outside India 
• 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs. 400 and Rs. 5000
• Enjoy dining benefits with the Good Food Trail program: Get up to 7.5% savings on all restaurant bill payments via Swiggy Dineout (20k+ restaurants). This offer is inclusive of Restaurant and Swiggy Discount, and valid only on payments done via the Swiggy App
• Zero Lost card liability
• Foreign Currency Markup: 3.5% on all foreign currency spends
• Get Revolving Credit at nominal interest rate
• 24/7 Concierge Services
• Milestone Benefit: Avail 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs and additional 5,000 Reward Points when achieving annual spends of Rs. 8 lakhs in an anniversary year
• Spend Rs. 3L in 12 Months and get Renewal Fee waived for next renewal year
• Convert big spends into EMI after purchase
• Accidental air death cover worth Rs. 1 Crore
• Emergency overseas hospitalization up to Rs. 15 lakhs
• Lost Card Liability Cover : Up to Rs 9 lakhs  
• On retail spends including Insurance, earn 4 reward points on Rs. 150
• Get 10,000 Reward Points on annual spends of Rs. 5 lakhs
• Get additional 5,000 Reward Points on annual spends of Rs. 8 lakhs

Pros

• Milestone and Activation benefits
• Complimentary Airport Lounge Access

Cons 

• No complimentary Golf lessons
• Annual interest rate is too high

Pros

• Earn 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs.
• Accidental air death cover worth Rs. 1 Crore
• Fuel Surcharge Waiver

Cons

• Slightly high Annual Fee
• No golf/coaching sessions