AU Ixigo Credit Card vs HDFC Regalia
Detailed comparison of these two popular credit cards
AU Ixigo Credit Card
AU Small Finance Bank
EntryVS
HDFC Regalia
HDFC Bank
PremiumAnnual Fee
FREE vs ₹3K
Effective Rate
(cash value)
1.3% vs 1.3%
Lounge Access
8/year vs 12/year
Detailed Comparison
| Feature | AU Ixigo Credit Card | HDFC Regalia |
|---|---|---|
Fees & Charges | ||
| Joining Fee | FREE | ₹3K |
| Annual Fee | FREE | ₹3K |
| Fee Waiver | None | Spend ₹3L annually |
| Forex Markup | 0% | 2% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1.25% | 1.33% |
Lounge Access | ||
| Domestic Lounges | 8/year | 12/year |
| Priority Pass | - | Yes |
Eligibility | ||
| Min. Income | ₹3.0L | ₹12.0L |
AU Ixigo Credit Card is Best For
Budget travelers (if grandfathered on zero forex)
Watch Out
- • Zero forex removed for new cardholders
- • Lounge now requires ₹20K/quarter spend
- • International rewards removed Dec 2024
Our Verdict
It's a tie! Both cards are equally matched.
Choose based on your specific needs and spending patterns.
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