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Axis Bank Atlas Credit Card VS HDFC Bank Regalia Gold Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

Axis Bank Atlas Credit Card
Axis Bank Atlas Credit Card
HDFC Bank Regalia Gold Credit Card
HDFC Bank Regalia Gold Credit Card

Fees & Charges

Joining Fee
₹5,000 + GST
₹2,500 + GST
Renewal Fee
₹5,000 + GST
₹2,500 + GST
Spend Based Waiver
Not Applicable
Renewal Fee waived upon spending ₹4 Lakhs in an anniversary year (12 billing cycles).
Foreign Transaction Fees
3.50% on foreign currency transactions; 1.5% for Dynamic Currency Conversion.
2% + GST applies on all international foreign currency transactions.
Interest Rate (APR)
3.75% per month (55.55% per annum) on retail purchases and cash advances.
Revolving credit interest rate is 3.75% per month, equating to 45% annually.

Rewards & Benefits

Welcome Bonus
2,500 EDGE Miles on first transaction within 37 days of Axis Bank Atlas card issuance.
₹2,500 gift voucher. Complimentary Swiggy One and MMTBLACK Gold Membership on ₹1 Lakh spend in 90 days.
Rewards Rate
Earn 5 EDGE Miles per ₹100 on travel spends, 2 EDGE Miles per ₹100 on all other transactions.
Earn 4 RPs on ₹150 retail spend; 20 RPs on ₹150 at Nykaa, Reliance Digital, Myntra, M&S.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 per redemption transaction on EDGE portal; ₹199 for transfers to partner loyalty programs.
₹99 + GST is charged per redemption of reward points.

Travel & Lifestyle

Domestic Lounge Access
8-18 complimentary visits per year based on Silver, Gold, or Platinum tier membership.
12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards.
International Lounge Access
4-12 complimentary visits per year based on Silver, Gold, or Platinum tier membership.
6 complimentary international lounge visits per year via Priority Pass for primary & add-on members.
Travel Benefits
Accelerated EDGE Miles on travel, lounge access, flight/hotel redemptions, partner miles transfers.
Offers extensive travel perks including flight vouchers, discounts, and complimentary lounge access.
Movie Benefits
Not Applicable
Not Applicable
Dining Benefits
Up to 25% off (Max ₹800) twice a month at partner restaurants via EazyDiner on ₹2,500+ spend.
FLAT 10% EXTRA OFF at 35,000+ restaurants. Get ₹200 Off on Swiggy Dineout twice monthly.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge (refunded for ₹400-₹4,000 transactions, max ₹400/cycle).
Not Applicable for fuel transactions with this HDFC Bank Regalia Gold Credit Card.

Security & Other

Insurance Benefits
Not Applicable
₹1 Cr air death cover, ₹15 Lakhs overseas hospitalization, ₹9 Lakhs credit liability cover.
Cash Advance Charges
2.5% of cash amount, minimum ₹500.
Either 2.5% of amount or ₹500, whichever of these two values is higher.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank Atlas Credit Card

HDFC Bank Regalia Gold Credit Card

Who is it for?

The Axis Bank Atlas Credit Card is a premium, travel-focused credit card designed for frequent travelers, rewarding users with valuable EDGE Miles. It features a unique tiered membership system (Silver, Gold, Platinum) where benefits like accelerated rewards and extensive lounge access escalate with annual spending. This card offers favorable miles transfer ratios to partner airline and hotel loyalty programs, making it an excellent choice for those with significant domestic and international travel expenses.

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.

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.

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.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.