Axis Bank Vistara Signature Credit Card vs HDFC Regalia Credit Card

• Exclusive privileges of complimentary Club Vistara Silver Membership such as priority check-in and additional baggage allowance
• Accrue 4 Club Points on every spend of Rs. 200 and redeem for upgrades and award flights
• Get bonus CV Points and up to 4 complimentary Premium Economy tickets on achieving the milestone spends
• 2 Complimentary lounge access at select airport within India
• Explore curated experiences with Extraordinary weekends
• Explore curated experiences from across the world with Extraordinary weekends
• Get 3 complimentary rounds of golf at some  of India’s  most picturesque destinations
• Avail 25% off, up to Rs. 800, once per month at partner restaurants across the country with Axis Bank EazyDiner
• Purchase Protection Cover up to to Rs. 1 lakh
• Cover up to USD 300 for the following: Loss Travel Documents, Delay of Check-in Baggage and Loss of Check-in Baggage
• On any transaction over Rs. 2,500, contact the Bank to convert a big credit card purchase into EMIs
• Fuel Transaction Surcharge- 1% of transaction amount
• Surcharge on purchase or cancellation of Railway Tickets- As prescribed by IRCTC/Indian Railways

• 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

• Accrue 4 Club Points on every spend of Rs. 200 and redeem for upgrades and award flights
• Get bonus CV Points and up to 4 complimentary Premium Economy tickets on achieving the milestone spends
• 2 Complimentary lounge access at select airport within India 

Cons

• High Annual Fee with no waiver option
• High Annual Fee with no waiver option
• You’re tied to Club Vistara Points

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