Card Comparison · India
AB Magnus Credit CardvsHB Regalia Gold Credit Card
Magnus Credit Card and Regalia Gold Credit Card compared side by side — annual fee, lounge-access program, visit limits, eligibility, and value. All figures from Loungely's verified card data, in INR.
| ABMagnus Credit Card | HBRegalia Gold Credit Card | |
|---|---|---|
| Annual fee | ₹12,500/yr | ₹2,500/yr |
| Network | Visa Infinite | Visa Signature |
| Access program | Priority Pass — unlimited visits + 8 guest visits/year | Priority Pass (6 intl visits/yr) + domestic card-swipe access |
| Intl lounge visits | — | 6/year |
| Domestic lounge visits | — | 3/quarter |
| Guest policy | 8 complimentary guest visits per year; domestic visits capped at 2 guests per visit. | No free guests — international guests ~US $27 + GST each. |
| Eligibility | Income ₹18L+, open application | Income ₹6L+, open application |
| Value score | 5/5 | 4/5 |
| Best for | Business travellers who need guest access and strong rewards | Domestic flyers who spend ₹60k+/quarter, plus occasional international travel |
Magnus Credit Card — full review
Fees, lounge terms, activation steps, pros & cons →
Regalia Gold Credit Card — full review
Fees, lounge terms, activation steps, pros & cons →
Magnus Credit Card vs Regalia Gold Credit Card — frequently asked
Is Magnus Credit Card or Regalia Gold Credit Card cheaper?
Regalia Gold Credit Card is cheaper at ₹2,500/yr vs ₹12,500/yr — a difference of 10,000 INR/yr. A lower fee only wins if the lounge access still covers the airports you fly through.
Which gives better lounge access, Magnus Credit Card or Regalia Gold Credit Card?
Magnus Credit Card: Priority Pass — unlimited visits + 8 guest visits/year. Regalia Gold Credit Card: Priority Pass (6 intl visits/yr) + domestic card-swipe access. Network reach matters more than raw visit count — a card with unlimited visits on a program that isn't present at your home airport is worth less than a capped card that is.
What are the eligibility differences between Magnus Credit Card and Regalia Gold Credit Card?
Magnus Credit Card — Income ₹18L+, open application. Regalia Gold Credit Card — Income ₹6L+, open application. Eligibility (income floor, invite-only status, existing-relationship requirements) is often the real deciding factor, not the headline lounge perk.
Is Magnus Credit Card or Regalia Gold Credit Card better value?
Loungely value score — Magnus Credit Card: 5/5 (best for business travellers who need guest access and strong rewards). Regalia Gold Credit Card: 4/5 (best for domestic flyers who spend ₹60k+/quarter, plus occasional international travel). Both are India cards, so the fee and access figures are directly comparable in INR.
Compare other India cards