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AU Zenith+ Credit Card VS Axis Bank Atlas Credit Card VS HDFC Bank Regalia Gold Credit Card VS SBI Card ELITE Advantage

A detailed, side-by-side look at 4 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 21 July 2026

Comparing 4 cards side by side: AU Zenith+ Credit Card, Axis Bank Atlas Credit Card, HDFC Bank Regalia Gold Credit Card, SBI Card ELITE Advantage. AU Zenith+ Credit Card costs ₹4,999 + GST and earns 2 RP per ₹100 on travel, dining, international; 1 RP per ₹100 on other retail spends. Axis Bank Atlas Credit Card costs ₹5,000 + GST and earns 5 EDGE Miles per ₹100 on travel spends, 2 EDGE Miles per ₹100 on all other transactions. HDFC Bank Regalia Gold Credit Card costs ₹2,500 + GST and earns 4 RPs on ₹150 retail spend; 20 RPs on ₹150 at Nykaa, Reliance Digital, Myntra, M&S. SBI Card ELITE Advantage costs ₹4,999 + GST and earns 5X Reward Points on Dining, Departmental/Grocery spends; 2 RP per Rs. 100 on all other spends. Compare the fee and reward differences above against your priority spend category — travel, dining, shopping, or fuel — to pick the right fit.

AU Zenith+ Credit Card
AU Zenith+ Credit Card
Axis Bank Atlas Credit Card
Axis Bank Atlas Credit Card
HDFC Bank Regalia Gold Credit Card
HDFC Bank Regalia Gold Credit Card
SBI Card ELITE Advantage
SBI Card ELITE Advantage

Fees & Charges

Joining Fee₹4,999 + GST
Joining Fee₹5,000 + GST
Joining Fee₹2,500 + GST
Joining Fee₹4,999 + GST
Renewal Fee₹4,999 + GST
Renewal Fee₹5,000 + GST
Renewal Fee₹2,500 + GST
Renewal Fee₹4,999 + GST
Spend Based WaiverAnnual Charges are waived on spending ₹8 Lakh or more in the card anniversary year.
Spend Based WaiverNot applicable for annual fee waiver; annual benefits in form of EDGE Miles provided upon fee payment.
Spend Based WaiverRenewal Fee waived upon spending ₹4 Lakhs in an anniversary year (12 billing cycles).
Spend Based WaiverAnnual fee reversal on annual spends of Rs. 10 lakhs.
Foreign Transaction Fees0.99% of the transaction amount.
Foreign Transaction Fees3.50% on foreign currency transactions; 1.5% on Dynamic Currency Conversion markup.
Foreign Transaction Fees2% + GST applies on all international foreign currency transactions.
Foreign Transaction FeesLowest foreign currency mark-up charge of 1.99% on international usage.
Interest Rate (APR)1.99% Per Month or 23.88% Per Annum.
Interest Rate (APR)3.75% per month (55.55% per annum) on retail purchases & cash advances.
Interest Rate (APR)Revolving credit interest rate is 3.75% per month, equating to 45% annually.
Interest Rate (APR)

Rewards & Benefits

Welcome BonusLuxury Gift Vouchers worth ₹5,000 from brands like Taj Hotels, Tata Cliq, or Michael Kors, or 5,000 Reward Points.
Welcome Bonus2,500 EDGE Miles on first transaction within 37 days of card issuance.
Welcome Bonus₹2,500 gift voucher. Complimentary Swiggy One and MMTBLACK Gold Membership on ₹1 Lakh spend in 90 days.
Welcome BonusRs. 5,000 e-Gift Voucher, Rs. 6,000 movie tickets annually, and up to 50,000 bonus reward points.
Rewards RateEarn 2 Reward Points per ₹100 spent on Dining, Travel, and International Transactions; 1 Reward Point per ₹100 on others.
Rewards RateEarn 5 EDGE Miles for every ₹100 on travel spends; 2 EDGE Miles for every ₹100 on other transactions.
Rewards RateEarn 4 RPs on ₹150 retail spend; 20 RPs on ₹150 at Nykaa, Reliance Digital, Myntra, M&S.
Rewards Rate5X Reward Points on dining, departmental stores, and grocery. 2 Reward Points per Rs. 100 on other spends.
Reward TypeReward Points
Reward TypeReward Points
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption Fee₹99 + GST for EDGE portal redemption; ₹199 + GST for transfer to partner loyalty programs.
Reward Redemption Fee₹99 + GST is charged per redemption of reward points.
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access16 complimentary domestic lounge access per annum (maximum 4 per quarter).
Domestic Lounge AccessUp to 18 complimentary domestic lounge visits per annum based on membership tier (Silver: 8, Gold: 12, Platinum: 18).
Domestic Lounge Access12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards.
Domestic Lounge Access2 complimentary domestic airport lounge visits every quarter.
International Lounge Access16 complimentary international lounge access annually with Priority Pass (max 4/quarter).
International Lounge AccessUp to 12 complimentary international lounge visits per annum based on membership tier (Silver: 4, Gold: 6, Platinum: 12).
International Lounge Access6 complimentary international lounge visits per year via Priority Pass for primary & add-on members.
International Lounge Access6 complimentary international airport lounge visits per calendar year (max 2 per quarter).
Travel Benefits4 Complimentary Airport Meet & Assist Concierge Services Annually. Taj Epicure Membership on spending ₹12 Lakhs.
Travel BenefitsFlexible miles transfer program to various airline and hotel loyalty partners; booking flights, hotels & experiences.
Travel BenefitsOffers extensive travel perks including flight vouchers, discounts, and complimentary lounge access.
Travel BenefitsComplimentary Priority Pass, 6 international & 2 domestic lounge visits quarterly. Low 1.99% forex markup.
Movie Benefits16 Complimentary Buy-One-Get-One Movie or Event Tickets Annually on BookMyShow (maximum 4 per quarter).
Movie Benefits
Movie BenefitsNot Applicable
Movie BenefitsFree movie tickets worth Rs. 6,000 every year, valid on primary cards only.
Dining BenefitsEarn 2 Reward Points per ₹100 spent on Dining. 25% off on Food and beverages with Taj Epicure Membership.
Dining BenefitsUp to 25% off (max ₹800) twice a month at partner restaurants via EazyDiner on min spend of ₹2,500.
Dining BenefitsFLAT 10% EXTRA OFF at 35,000+ restaurants. Get ₹200 Off on Swiggy Dineout twice monthly.
Dining Benefits5X Reward Points on dining. Up to 25% discount at 500+ restaurants.
Golf BenefitsUp to 8 Complimentary Golf Games or Lessons Annually (2 per calendar quarter).
Golf Benefits
Golf BenefitsNot Applicable
Golf Benefits4 complimentary green fees access, up to 50% off on games, 1 complimentary lesson per month.
Fuel Surcharge Waiver1% fuel surcharge waiver up to ₹1,000 per statement cycle.
Fuel Surcharge Waiver1% fuel surcharge waiver for transactions between ₹400-₹4,000, capped at ₹400 per cycle.
Fuel Surcharge WaiverNot Applicable for fuel transactions with this HDFC Bank Regalia Gold Credit Card.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions between Rs. 500-Rs. 4,000. Max waiver Rs. 250/month.

Security & Other

Insurance BenefitsAir Accident Cover – Up to ₹2 Crore, Card Liability Cover – Up to ₹15 Lakhs, Credit Shield – Up to ₹15 Lakhs, Purchase Protection – Up to ₹50,000.
Insurance Benefits
Insurance Benefits₹1 Cr air death cover, ₹15 Lakhs overseas hospitalization, ₹9 Lakhs credit liability cover.
Insurance BenefitsComplimentary credit card fraud liability cover of Rs. 1 lakh.
Cash Advance ChargesNone.
Cash Advance Charges2.5% of cash amount (Minimum ₹500).
Cash Advance ChargesEither 2.5% of amount or ₹500, whichever of these two values is higher.
Cash Advance Charges
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Zenith+ Credit Card

Axis Bank Atlas Credit Card

HDFC Bank Regalia Gold Credit Card

SBI Card ELITE Advantage

Who is it for?

The AU Zenith+ Metal Credit Card is AU Small Finance Bank’s most luxurious offering, specifically designed for individuals who frequently travel and engage in high credit card spending. It distinguishes itself with a choice of ₹5,000 luxury gift vouchers or Reward Points as a welcome benefit, a competitive 0.99% forex markup fee, and extensive travel perks including 16 complimentary domestic and international lounge accesses. The card also provides valuable lifestyle benefits such as golf rounds and Buy-One-Get-One movie tickets.

Who is it for?

The Axis Bank ATLAS Credit Card is a premium, airlines-agnostic travel credit card designed to offer exclusive benefits to frequent travelers. It rewards users with EDGE Miles on every travel and other eligible spend, featuring a tiered membership system (Silver, Gold, Platinum) that unlocks enhanced rewards and lounge access based on annual spending. With a flexible miles transfer program to various airline and hotel loyalty partners, this card is an excellent option for individuals seeking to maximize rewards on their travel-related expenses, both domestically and internationally.

Who is it for?

The HDFC Bank Regalia Gold Credit Card is a premium lifestyle card designed for high-spenders, offering exclusive travel and shopping benefits. It provides strong reward rates, complimentary lounge access, and valuable milestone rewards, making it ideal for maximizing value on significant expenses. This card offers a comprehensive suite of features for a discerning clientele.

Who is it for?

The SBI Card ELITE is a premium credit card issued by SBI Card, designed for individuals seeking exclusive lifestyle benefits, travel privileges, and a rewarding experience. Its key differentiating features include a substantial welcome e-Gift Voucher, complimentary movie tickets, and a generous bonus reward points program based on annual spending, coupled with extensive lounge access and a low foreign currency markup.

Pros

Key benefits and features.

Enjoy a very low foreign currency markup of just 0.99% on all international transactions.

Extensive travel benefits with 16 complimentary domestic and 16 international lounge accesses.

Generous welcome benefits offering luxury gift vouchers worth ₹5,000 or 5,000 Reward Points.

Valuable lifestyle perks include 16 BOGO movie tickets and 8 complimentary golf rounds annually.

Milestone benefits like Taj Epicure Membership and bonus Reward Points enhance value.

Pros

Key benefits and features.

Receive a generous welcome bonus of 2,500 EDGE Miles upon your first transaction.

Enjoy accelerated EDGE Miles earning on all travel-related transactions and bookings.

Benefit from a tiered system (Silver, Gold, Platinum) offering escalating rewards and lounge access.

Unlock attractive milestone benefits, providing bonus EDGE Miles upon achieving spend targets.

Utilize an excellent transfer ratio of 1 EDGE Mile to 2 Partner Points for various loyalty programs.

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.

Generous welcome benefits including a Rs. 5,000 e-Gift Voucher and Rs. 6,000 movie tickets.

Significant milestone benefits offering up to 50,000 bonus reward points annually.

Complimentary international (6 visits) and domestic (2 visits/quarter) airport lounge access.

Lowest foreign currency markup at 1.99% makes international spends more economical.

Accelerated 5X reward points on dining, departmental stores, and grocery spends.

Cons

Key drawbacks and limitations.

The annual fee of ₹4,999 + GST is relatively high, despite the spend-based waiver.

Reward points are not earned on essential categories like fuel, cash advances, and EMI spends.

A rewards redemption fee of ₹99 + GST is charged for each redemption transaction.

Quarterly caps on lounge access and movie tickets might limit usage for some users.

Some benefits of the AU Zenith+ Credit Card have experienced devaluations over time.

Cons

Key drawbacks and limitations.

The Axis Bank ATLAS Credit Card does not offer any golf or insurance benefits.

The complex tiered reward structure and numerous spend exclusions can be confusing for users.

The card carries a significant joining and annual fee of ₹5,000 + GST.

A high foreign currency markup of 3.50% applies to international transactions.

Additional fees are levied for reward redemption and miles transfer to partner programs.

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.

Annual and renewal fees of Rs. 4,999 + taxes apply if spend-based waiver criteria are not met.

A usage fee of $27 + taxes is charged for international lounge visits beyond complimentary quota.

Priority Pass membership is valid for 2 years only, requiring re-evaluation thereafter.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for AU Zenith+ Credit Card(opens in new tab)Apply for Axis Bank Atlas Credit Card(opens in new tab)Apply for HDFC Bank Regalia Gold Credit Card(opens in new tab)Apply for SBI Card ELITE Advantage(opens in new tab)