Axis Bank Vistara Signature Credit Card vs HDFC Regalia First Credit Card

Joining Fees

₹3,000

₹1,000

Editor's Rating

3.7

4.1

Key Features

  • 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
  • You will receive Welcome Benefit of 1000 Reward Points and renewal benefit of 1000 Reward Points when the membership fee is realized
    In 12 Months, spend Rs. 1,00,000 and get Renewal Fee waived for next renewal year
    Accidental air death cover worth Rs. 50 lakhs
    Emergency overseas hospitalization up to Rs. 10 lakhs
    Credit Liability cover of up to Rs 5,00,000 1% fuel surcharge waiver at fuel stations in India on transactions between Rs.400 and Rs.5000
    Earn 5,000 Reward Points on annual spends of Rs. 3,00,000 or more in each anniversary year
    Avail up to 5% cashback on travel and shopping spends on SmartBuy
    Earn more 2,500 Reward Points on annual spends of Rs. 6,00,000 or more in each anniversary year
    Enjoy the experience of the Good Food Trail dining program at premium restaurants in top cities

    Rewards Rate:
    * 4 reward points on Rs. 150, on all retail spends such as Insurance, Utilities, Education, and RentPay

Editor's Review

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
* Enjoy exclusive dining privileges with a 15% discount at partner restaurants
* Avail 4 Reward Points for every Rs. 150 spent

Cons
* No complimentary offers for movie tickets
* No travel benefits in the form of lounge access and there are no air miles or co-branded benefits provided


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