Axis Bank Atlas Credit Card vs HDFC Regalia Gold
A head-to-head comparison on verified fees, waiver math, reward rates, lounge conditions and forex charges.
Our verdict
Atlas is the stronger pure travel card for direct bookings; Regalia Gold is the better all-rounder if SmartBuy and fashion brands matter to you.
Pick Atlas if you book flights and hotels directly and transfer miles to partners like Accor.
Pick Regalia Gold if your travel is occasional and you want a lower effective cost with broader lifestyle benefits.
| Compare | Axis Bank Atlas Credit Card | HDFC Regalia Gold |
|---|---|---|
| Annual fee | ₹5,000 + GST (₹5,900 total) | ₹2,500 + GST (₹2,950 total) |
| Fee waiver | No fee waiver | Waived on ₹4,00,000 annual spend |
| Headline reward | 5 EDGE Miles per ₹100 on direct airline, hotel and Travel EDGE spends (only up to ₹2 lakh of travel spends per month; 2 per ₹100 beyond that, on OTA bookings and on all other spends) | 5 Reward Points per ₹200 (cut from 4 per ₹150 on 15 May 2026) + 5X on Marks & Spencer, Myntra, Nykaa and other select brands |
| Online spends return | 4% | 3.2% |
| Dining return | 4% | 2.8% |
| Travel return | 10% | 6% |
| Bills and UPI return | 2% | 1.8% |
| Fuel return | 0% | 0% |
| Lounge access | Tier-based: Silver 8 domestic + 4 international, Gold 12 domestic + 6 international, Platinum 18 domestic + 12 international visits per year | 3 domestic lounge visits per quarter, only on ₹60,000 or more spends in the preceding calendar quarter + 6 international Priority Pass visits per year |
| Forex markup | 3.5% + 18% GST | 2.0% + 18% GST |
| RuPay UPI payments | Not supported | Not supported |
| Credwiser score | 96/100 | 85/100 |
Green cells mark the stronger card on that row. Returns are effective category rates from each card verified record, before caps; check the fine print below for caps.
The fine print decides it
Axis Bank Atlas Credit Card
The 5 EDGE Miles rate applies only up to ₹2 lakh of travel spends per month, and OTA bookings earn 2 EDGE Miles per ₹100. Lounge visits depend on your tier (Silver 8+4, Gold 12+6, Platinum 18+12 per year). EDGE Miles do not expire for Gold and Platinum tier holders; tier qualification is evaluated annually on cumulative eligible spend.
Last verified against MITC: 21 October 2026 • View official MITC →
HDFC Regalia Gold
Annual fee ₹2,500 + 18% GST. Fee waived on annual spend of ₹4 Lakhs. From 15 May 2026 the base earn is 5 RP per ₹200, and domestic lounge visits (3 per quarter) need ₹60,000 or more spends in the preceding calendar quarter.
Last verified against MITC: 21 October 2026 • View official MITC →
Frequently asked questions
Which is cheaper, Axis Bank Atlas Credit Card or HDFC Regalia Gold?
Axis Bank Atlas Credit Card charges ₹5,000 + gst (₹5,900 total) and its waiver position is: no fee waiver. HDFC Regalia Gold charges ₹2,500 + gst (₹2,950 total) with this waiver position: waived on ₹4,00,000 annual spend. Remember the fee is billed first and reversed later on cards that offer a waiver.
Which card has better lounge access, Axis Bank Atlas Credit Card or HDFC Regalia Gold?
Axis Bank Atlas Credit Card: Tier-based: Silver 8 domestic + 4 international, Gold 12 domestic + 6 international, Platinum 18 domestic + 12 international visits per year. HDFC Regalia Gold: 3 domestic lounge visits per quarter, only on ₹60,000 or more spends in the preceding calendar quarter + 6 international Priority Pass visits per year. Always check the spend gate, if any, before travelling; our Lounge Access Checker shows the exact criteria for both cards.
Axis Bank Atlas Credit Card vs HDFC Regalia Gold: which should I pick?
Atlas is the stronger pure travel card for direct bookings; Regalia Gold is the better all-rounder if SmartBuy and fashion brands matter to you. Pick Atlas if you book flights and hotels directly and transfer miles to partners like Accor. Pick Regalia Gold if your travel is occasional and you want a lower effective cost with broader lifestyle benefits.
More comparisons with these cards
Compare any two cards freely in the side-by-side comparison matrix, or check gates and caps in the Lounge Access Checker and Cashback Cap Maxer.