Atlas Credit Card
Rs 5,000Annual fee
8Domestic lounge
Domestic lounge conditions
- Airport lounge access is tiered based on spending:
- Silver tier (entry-level / <3L spend): 8 domestic / 4 international lounge visits per anniversary year.
- Gold tier (7.5L spend): 12 domestic / 6 international lounge visits per anniversary year.
- Platinum tier (15L spend): 18 domestic / 12 international lounge visits per anniversary year.
- Airport lounge access is tiered based on spending:
- Silver tier (entry-level / <3L spend): 8 domestic / 4 international lounge visits per anniversary year.
- Gold tier (7.5L spend): 12 domestic / 6 international lounge visits per anniversary year.
- Platinum tier (15L spend): 18 domestic / 12 international lounge visits per anniversary year.
3.5%Forex markup
Best for
Travel, Hotels, Flights
Top rewards
Travel: 5 EDGE Miles per ₹100; Base: 2 EDGE Miles per ₹100
Regalia Gold Credit Card
Rs 2,500Annual fee
Rs 4,00,000Fee waiver spend
12Domestic lounge
Domestic lounge conditions
- 12 complimentary visits per year (max 3 per quarter).
- From 1 July 2026 access is spend-gated: requires ₹60,000 of spend in the preceding calendar quarter to unlock the next quarter.
- Complimentary Priority Pass membership on request after 4 retail transactions.
- 6 complimentary visits per calendar year outside India (primary and add-on cardholders); extra visits charged at US $27 + GST.
2%Forex markup
Best for
Travel, Lounge, Lifestyle, SmartBuy, Premium Rewards
Top rewards
SmartBuy Hotels: Up to 10X Reward Points (50 RP / ₹200 spent via SmartBuy); SmartBuy Flights: Up to 5X Reward Points (25 RP / ₹200 spent on flights via SmartBuy); SmartBuy Gyftr: Up to 5X Reward Points (25 RP / ₹200 spent on instant vouchers via SmartBuy)
| Feature | Atlas Credit Card | Regalia Gold Credit Card |
|---|---|---|
| Issuer | Axis Bank | HDFC Bank |
| Network | Visa | Visa, Mastercard |
| Joining fee | Rs 5,000 | Rs 2,500 |
| Annual fee | Rs 5,000 | Rs 2,500 |
| Fee waiver spend | - | Rs 4,00,000 |
| Reward type | EDGE Miles | Reward Points |
| Best for | Travel, Hotels, Flights | Travel, Lounge, Lifestyle, SmartBuy, Premium Rewards |
| Top reward categories | Travel: 5 EDGE Miles per ₹100; Base: 2 EDGE Miles per ₹100 | SmartBuy Hotels: Up to 10X Reward Points (50 RP / ₹200 spent via SmartBuy); SmartBuy Flights: Up to 5X Reward Points (25 RP / ₹200 spent on flights via SmartBuy); SmartBuy Gyftr: Up to 5X Reward Points (25 RP / ₹200 spent on instant vouchers via SmartBuy) |
| SmartBuy / accelerated caps | Not Listed | SmartBuy Hotels: Daily 2,000 Reward Points, Monthly 4,000 Reward Points; SmartBuy Flights: Daily 2,000 Reward Points, Monthly 4,000 Reward Points; SmartBuy Gyftr: Daily 2,000 Reward Points, Monthly 3,000 Reward Points; SmartBuy Train: Daily 2,000 Reward Points, Monthly 4,000 Reward Points |
| Domestic lounge | 8 | 12 |
| International lounge | 4 | 6 |
| Forex markup | 3.5% | 2% |
| Milestone benefits | 2,500 EDGE Miles on annual spend of ₹3 lakh., Additional 2,500 EDGE Miles on annual spend of ₹7.5 lakh., Additional 5,000 EDGE Miles on annual spend of ₹15 lakh. | ₹5,000 worth flight vouchers on spends of ₹5 lakh, ₹5,000 worth flight vouchers on spends of ₹7.5 lakh, ₹1,500 worth Myntra or Nykaa vouchers on quarterly spends of ₹1.5 lakh, Renewal fee waived on annual spends of ₹4 lakh |
| Redemption | Travel EDGE travel: upto Rs 1 per point; Air miles: upto Rs 2 per point | SmartBuy travel: upto Rs 0.5 per point; Air miles: upto Rs 0.5 per point; Statement credit: upto Rs 0.2 per point |
| Key exclusions | fuel, rent, insurance, wallet load, government institutions, utilities | fuel, rent, wallet loads, government transactions, cash withdrawal, emi transactions |