Axis Bank Atlas vs HDFC Bank Regalia Gold
Axis Bank Atlas is easier to justify if 5 EDGE Miles per Rs 100 HDFC Bank Regalia Gold is easier to justify if you prefer the lower listed annual fee (Rs 2,500).
Choose Axis Bank Atlas if...
- 5 EDGE Miles per Rs 100
Choose HDFC Bank Regalia Gold if...
- You prefer the lower listed annual fee (Rs 2,500).
- You want more listed lounge access (18 per year).
- You value the lower listed forex markup (2%).
- Up to 10X Reward Points (50 RP / Rs 200 spent via SmartBuy)
Fees, rewards and benefits compared
| Feature | Axis Bank Atlas Credit Card | HDFC Bank 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 | Not clearly available in our current data. | Rs 4 lakh |
| Best use case | Best for Travel | Best for SmartBuy Hotels |
| Reward type | edge miles | reward points |
| Top rewards | travel: 5 EDGE Miles per Rs 100; base: 2 EDGE Miles per Rs 100 | smartbuy hotels: Up to 10X Reward Points (50 RP / Rs 200 spent via SmartBuy); smartbuy flights: Up to 5X Reward Points (25 RP / Rs 200 spent via SmartBuy); smartbuy gyftr: Up to 5X Reward Points (25 RP / Rs 200 spent on instant vouchers via SmartBuy) |
| Domestic lounge | 8 per year | 12 per year |
| International lounge | 4 per year | 6 per year |
| Forex markup | 3.5% | 2% |
| Milestone benefits | 2,500 EDGE Miles on annual spend of Rs 3 lakh.; Additional 2,500 EDGE Miles on annual spend of Rs 7.5 lakh.; Additional 5,000 EDGE Miles on annual spend of Rs 15 lakh. | Rs 5,000 worth flight vouchers on spends of Rs 5 lakh; Rs 5,000 worth flight vouchers on spends of Rs 7.5 lakh; Rs 1,500 worth Myntra or Nykaa vouchers on quarterly spends of Rs 1.5 lakh |
| Redemption | Air miles: up to Rs 2 per point; Travel EDGE: up to Rs 1 per point; 16 airline transfer partners listed; 6 hotel transfer partners listed | Statement balance: up to Rs 0.2 per point; Air miles: up to Rs 0.5 per point; SmartBuy flight/hotel: up to Rs 0.5 per point; 10 airline transfer partners listed; 4 hotel transfer partners listed |
| Key exclusions | fuel; rent; insurance; wallet load; government institutions | fuel; rent; wallet loads; government transactions; cash withdrawal |
Rewards comparison
Axis Bank Atlas Credit Card: 5 EDGE Miles per Rs 100
HDFC Bank Regalia Gold Credit Card: Up to 10X Reward Points (50 RP / Rs 200 spent via SmartBuy)
Lounge access comparison
Use the side-by-side table above for domestic and international lounge counts from the current card data.
Forex and international travel comparison
Axis Bank Atlas lists a 3.5% forex markup. HDFC Bank Regalia Gold lists a 2% forex markup. Check issuer terms before using either card for large international spends.
Exclusions and limitations
Review the exclusions row carefully. Reward caps, merchant restrictions, and excluded spends can materially change real value.
Final recommendation
Start with HDFC Bank Regalia Gold if fee recovery is your first filter. Consider HDFC Bank Regalia Gold if listed lounge access matters more, and HDFC Bank Regalia Gold if forex markup is a key part of your travel spends. Verify issuer terms before applying.
Common questions
Which card has the lower annual fee: Axis Bank Atlas or HDFC Bank Regalia Gold?
HDFC Bank Regalia Gold lists the lower annual fee in our current data.
Which card is better for lounge access?
HDFC Bank Regalia Gold lists more total lounge access in our current data.
Which card has lower forex markup?
HDFC Bank Regalia Gold lists the lower forex markup in our current data.
Do affiliate links affect this comparison?
No. The comparison uses existing card data. Apply links may be affiliate links, but they do not change the displayed fees, rewards, or limitations.
What should I verify before applying?
Check issuer terms for latest fees, eligibility, reward caps, lounge rules, exclusions, and redemption options before applying.
Affiliate disclosure: Apply links may be affiliate links. We may earn a commission if you apply and are approved, but this comparison uses existing card data and does not change affiliate or apply link behavior.
Last updated: June 2026