AU Zenith+ Credit Card VS Axis Bank Atlas Credit Card VS HDFC Bank Regalia Gold Credit Card VS SBI Card ELITE Advantage
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
AU Zenith+ Credit Card
Axis Bank Atlas Credit Card
HDFC Bank Regalia Gold Credit Card
SBI Card ELITE Advantage
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Offers a comprehensive suite of premium features and exclusive privileges across categories.
Generous welcome benefits of luxury brand vouchers or reward points worth ₹5,000.
Accelerated reward earnings on travel, dining, and international transactions provide great value.
Extensive travel benefits including lounge access, Meet & Assist, and low 0.99% forex markup.
Valuable milestone benefits like Taj Epicure Membership and bonus points on monthly spends.
Pros
Key benefits and features.
Excellent choice for individuals with significant domestic and international travel expenses.
Unique tiered benefits system rewards higher spenders with enhanced privileges effectively.
Favorable 1:2 transfer ratio for EDGE Miles to diverse airline and hotel loyalty programs.
Complimentary access to numerous domestic and international airport lounges for comfort.
Awards additional bonus miles upon reaching specified annual spending milestones.
Pros
Key benefits and features.
Access to exclusive 24/7 concierge service for all travel and lifestyle assistance needs.
Generous lounge access with 12 domestic and 6 international visits annually for cardholders.
Strong reward rates, including 5X accelerated points on preferred partner brands like Nykaa.
Flexible redemption options for flights, hotels, vouchers, airmiles, and even cashback.
Comprehensive insurance benefits covering air death, overseas hospitalization, and credit cover.
Pros
Key benefits and features.
Receive a valuable welcome e-Gift Voucher worth Rs. 5,000 from top lifestyle brands.
Enjoy free movie tickets worth Rs. 6,000 annually, making entertainment more affordable.
Earn accelerated rewards with 5X points on dining, departmental stores, and groceries.
Benefit from extensive lounge access, including 6 international and 8 domestic visits annually.
Experience a low foreign currency markup of 1.99%, ideal for international transactions.
Cons
Key drawbacks and limitations.
Renewal benefits, including 5,000 bonus RP, will be discontinued from Nov 17, 2025.
International lounge access with Priority Pass is chargeable for domestic use within India.
Several important merchant categories like utilities and insurance are not eligible for reward points.
High monthly net income requirement of ₹2.5 Lakhs might limit accessibility for some users.
Cons
Key drawbacks and limitations.
Axis Bank Atlas Credit Card does not offer any golf or insurance benefits to cardholders.
A high foreign currency transaction fee of 3.5% can accumulate for international spends.
Fees apply for both reward redemption and for transferring miles to partners.
No EDGE Miles are earned on key spend categories like fuel, rent, utilities, and insurance.
Various transaction-specific fees for rent, wallet loads, education, and online gaming.
Cons
Key drawbacks and limitations.
A redemption fee of ₹99 + GST is applicable on all reward point redemptions made.
The annual renewal fee waiver requires a relatively high annual spend of ₹4 Lakhs.
Reward point accrual has maximum caps on grocery and insurance transactions monthly.
Cons
Key drawbacks and limitations.
The annual fee of Rs. 4,999 is quite substantial, potentially a barrier for some users.
Achieving the annual fee waiver requires a high spend of Rs. 10 Lakhs, which is challenging.
A convenience fee is charged for complimentary movie tickets, slightly diminishing their benefit.
International lounge access is capped at 2 visits per quarter, which might be restrictive for frequent flyers.