Find my card

HDFC Bank Regalia Gold vs Axis Bank Atlas: Which Card Is Better?

A side-by-side comparison of HDFC Bank Regalia Gold and Axis Bank Atlas credit cards: fees, reward rates by category, caps, forex markup, lounge access, and which one earns more for different kinds of spenders.

Verdict

Axis Bank Atlas earns more in 5 of the 7 spending profiles we tested. Choose HDFC Regalia Gold for mid-level travellers who want lounge access. Choose Axis Atlas for travellers who transfer miles to airline partners.

Spending profileHDFC Regalia GoldAxis AtlasWinner
Balanced spender₹1,550₹4,160Axis Atlas (+₹2,610)
Online shopper₹1,925₹4,280Axis Atlas (+₹2,355)
Frequent traveller₹16,918₹18,024Axis Atlas (+₹1,106)
Family & groceries₹11,600₹6,440HDFC Regalia Gold (+₹5,160)
Foodie₹5,100₹5,000HDFC Regalia Gold (+₹100)
Daily commuter₹275₹1,400Axis Atlas (+₹1,125)
High spender₹28,702₹45,866Axis Atlas (+₹17,164)

Estimated yearly value after caps, fees (with GST) and forex costs. Try your own spends →

HDFC Regalia Gold vs Axis Atlas: full comparison

FeatureHDFC Bank Regalia GoldAxis Bank Atlas
Card
HDFC Bank Regalia GoldHDFC Bank
Axis Bank AtlasAxis Bank
Annual fee₹2,500 + GST₹5,000 + GST
Joining fee₹2,500 + GST₹5,000 + GST
Fee waiverWaived on ₹4,00,000 yearly spendNo spend-based waiver
NetworkVisa / MastercardVisa
Amazon rewards1.25%2%
Flipkart rewards1.25%2%
Other online shopping rewards1.25%2%
Food delivery rewards1.25%2%
Dining out rewards1.25%2%
Groceries rewards1.25%2%
Flights & hotels rewards1.25%5%
Fuel rewards0%0%
Bills & recharges rewards1.25%0%
Everything else rewards1.25%2%
Forex markup2%3.5%
Lounge access12 domestic + 6 international visits a year; domestic access needs ₹60,000 quarterly spendDomestic and international visits based on tier
Reward capsNo major capsNo major caps
Est. yearly value: balanced spender₹1,550₹4,160
Est. yearly value: online shopper₹1,925₹4,280
Est. yearly value: frequent traveller₹16,918₹18,024
Est. yearly value: family & groceries₹11,600₹6,440
Best forMid-level travellers who want lounge accessTravellers who transfer miles to airline partners
Pros
  • 5X reward points on Nykaa, Myntra, Marks & Spencer and Reliance Digital
  • Complimentary domestic and international lounge access
  • Flight vouchers on annual spend milestones
  • 2% forex markup
  • 5 EDGE Miles per ₹100 on travel
  • 2 EDGE Miles per ₹100 on other spends
  • Milestone bonus miles up to 10,000 a year
  • Transfer miles to many airline and hotel partners
Cons
  • Reward rate and lounge access both tightened in 2026
  • ₹2,500 fee needs ₹4 lakh yearly spend to waive
  • Point value drops sharply for cashback redemption
  • ₹5,000 fee with no spend-based waiver
  • Accor, Marriott and Qatar removed as transfer partners in 2026; some airline transfers capped
  • No miles on utilities, fuel, rent, insurance or wallet loads
  • 3.5% forex markup
Visit HDFC BankVisit Axis Bank

FAQs

Which is better, HDFC Regalia Gold or Axis Atlas?

Axis Bank Atlas comes out ahead in 5 of 7 spending profiles we tested. Choose HDFC Bank Regalia Gold if you want a card for mid-level travellers who want lounge access. Choose Axis Bank Atlas if you want a card for travellers who transfer miles to airline partners.

What is the difference in annual fee between HDFC Regalia Gold and Axis Atlas?

HDFC Bank Regalia Gold: ₹2,500 + GST (waived on ₹4,00,000 yearly spend). Axis Bank Atlas: ₹5,000 + GST (no spend-based waiver).

Which card has a lower forex markup?

HDFC Bank Regalia Gold has the lower forex markup at 2%, compared with 3.5%.

More comparisons

0 selectedCompare now