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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.
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Last updated: 17 July 2026

Both Axis Bank Atlas Credit Card and HDFC Bank Regalia Gold Credit Card suit travel-focused spenders, but they earn and cost differently. 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. Axis Bank Atlas Credit Card also brings 8-18 complimentary visits per year based on Silver, Gold, or Platinum tier membership, while HDFC Bank Regalia Gold Credit Card counters with 12 complimentary domestic lounge access visits per year, 3 per quarter, for primary and add-on cards. Weigh the fee against the reward rate above to see which fits your spending pattern better.

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
Joining Fee₹2,500 + GST
Renewal Fee₹5,000 + GST
Renewal Fee₹2,500 + GST
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).
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.
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.

Rewards & Benefits

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.
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.
Reward TypeReward Points
Reward TypeReward Points
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.

Travel & Lifestyle

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.
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.
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.
Movie Benefits
Movie BenefitsNot Applicable
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.
Golf Benefits
Golf BenefitsNot Applicable
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.

Security & Other

Insurance Benefits
Insurance Benefits₹1 Cr air death cover, ₹15 Lakhs overseas hospitalization, ₹9 Lakhs credit liability cover.
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.
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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, 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.

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.

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.

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.
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