Axis Bank Atlas Credit Card VS HDFC Bank Regalia Gold Credit Card VS HSBC TravelOne Credit Card
Comparing 3 cards side by side: Axis Bank Atlas Credit Card, HDFC Bank Regalia Gold Credit Card, HSBC TravelOne Credit Card. 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. HSBC TravelOne Credit Card costs ₹4,999 + GST and earns 4 reward points for every INR100 spent on flights, travel aggregators, and foreign currency transactions. 2 points on other spends. Compare the fee and reward differences above against your priority spend category — travel, dining, shopping, or fuel — to pick the right fit.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Axis Bank Atlas Credit Card
HDFC Bank Regalia Gold Credit Card
HSBC TravelOne Credit Card
Who is it for?
Who is it for?
Who is it for?
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.
No exclusions for INR12 lakh milestone benefit, allowing insurance and bill payments to contribute.
Extensive network of hotel and airline partners available for Reward Point transfers.
Offers instant reward redemptions, providing immediate value and flexibility to cardholders.
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.
The INR3,000 PostCard voucher welcome benefit has limited applicability to specific hotels.
High 3.5% foreign currency markup significantly reduces the value of international spend rewards.
Accelerated reward point earnings are capped monthly, limiting benefits for high-spending users.