Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Airtel Axis Bank Credit Card vs HDFC Regalia Gold Credit Card for ₹100,000 Monthly Spend
Comparing Airtel Axis Bank Credit Card vs HDFC Regalia Gold Credit Card at ₹100,000/month. HDFC Regalia Gold Credit Card wins, delivering ₹34,992 net annual value (2.92% ROI) vs ₹20,760 for Airtel Axis Bank Credit Card.
Interactive Head-to-Head Simulator
Test Your Monthly Spend & Category Mix
Simulates real-world capping thresholds, 18% GST deductions, and bank waiver rules in real time.
₹1,00,000(₹12,00,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹1,00,000/mo+ ₹14,232/yr Higher Value
HDFC Regalia Gold Credit Card
Delivers ₹34,992 net annual returns (2.92% ROI) vs ₹20,760 on Airtel Axis Bank Credit Card.
Card A
Airtel Axis Bank Credit Card
Axis Bank
₹20,760Net Annual Benefit
Gross Rewards:₹20,760/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:1.73%
Fee Waiver Progress (2L target):100%
⚠️ Hits monthly cashback caps: -₹25,800/yr lost
Card B
HDFC Regalia Gold Credit Card
HDFC Bank
₹34,992Net Annual Benefit
Gross Rewards:₹34,992/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:2.92%
Fee Waiver Progress (4L target):100%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹12,000/year Extra YieldPair HDFC Regalia Gold Credit Card + Airtel Axis Bank Credit Card
Pair HDFC Regalia Gold Credit Card with Airtel Axis Bank Credit Card to capture up to ₹12,000/yr extra on zero-reward categories.
Routes excluded categories:Utility & Offline Spends
Detailed 12-Category Rupee Breakdown (@ ₹1,00,000/mo)
| Spend Category | Monthly Spend | Airtel Axis Bank Credit Card | HDFC Regalia Gold Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹25,000/mo | ₹250 (1%) | ₹1,665 (6.66%) |
| Scan & Pay Merchant UPI | ₹15,000/mo | ₹150 (1%) | ₹200 (1.33%) |
| Electricity, Water, Gas & Broadband Bills10% cashback valid on utility payments via Airtel Thanks App; capped at ₹250/month | ₹12,000/mo | ₹250 (Capped) | ₹160 (1.33%) |
| Swiggy, Zomato & Dining Out | ₹12,000/mo | ₹500 (Capped) | ₹160 (1.33%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹10,000/mo | ₹500 (Capped) | ₹133 (1.33%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, max ₹500/month | ₹8,000/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹8,000/mo | ₹80 (1%) | ₹533 (6.66%) |
| LIC, Health & Term Insurance Premiums | ₹5,000/mo | 0% Excluded | ₹67 (1.33%) |
| House Rent & School/College Fees1% fee + 18% GST on rental transactions; zero rewards | ₹5,000/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex Spends | ₹0/mo | ₹0 (1%) | ₹0 (1.33%) |
| Gold, Silver & Jewelry Purchases | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Income Tax, GST & Challan Payments | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Net Annual Benefit | ₹12,00,000/yr | +₹20,760 | +₹34,992 |
Frequently Asked Questions
Which card is better between Airtel Axis Bank Credit Card and HDFC Regalia Gold Credit Card for ₹100,000/month?▼
At ₹100,000/month (₹1,200,000/year), HDFC Regalia Gold Credit Card mathematically outperforms Airtel Axis Bank Credit Card by ₹14,232/year. HDFC Regalia Gold Credit Card delivers ₹34,992 net annual benefit (2.92% effective yield), while Airtel Axis Bank Credit Card returns ₹20,760 (1.73% effective yield).
Will the annual fee be waived at ₹100,000 monthly spend?▼
On an annual spend of ₹1,200,000: Airtel Axis Bank Credit Card annual fee is waived (₹0). HDFC Regalia Gold Credit Card annual fee is waived (₹0).
How do reward caps impact the earnings on both cards?▼
At this spend tier, Airtel Axis Bank Credit Card loses ₹25,800/year to monthly cashback caps, while HDFC Regalia Gold Credit Card loses ₹0/year. Capped categories on Airtel Axis Bank Credit Card: Electricity, Water, Gas & Broadband Bills, Swiggy, Zomato & Dining Out, Blinkit, Zepto, Instamart & Supermarkets. HDFC Regalia Gold Credit Card remains uncapped at this spend.
What is the breakeven monthly spend between Airtel Axis Bank Credit Card and HDFC Regalia Gold Credit Card?▼
The calculated crossover breakeven spend is ₹52,000/month, where higher-fee benefits overtake the lower-fee option.