vs
In short: HDFC Regalia has the lower annual fee (₹2,500 vs ₹5,000); Axis Atlas includes 12 airport lounge visits (Gold tier), HDFC Regalia 8 airport lounge visits a year; both charge a 3.5% forex markup.
| Key facts | Axis Atlas | HDFC Regalia |
|---|---|---|
| Annual fee | ₹5,000 | ₹2,500 |
| Joining fee | ₹5,000 | ₹2,500 |
| Annual fee waived | Not listed | On ₹3 lakh annual spend |
| Top reward rate | 5 EDGE Miles per ₹100 Spent on Travel | 4 reward points For Every ₹200 |
| Base rewards | 2 EDGE Miles per ₹100 spent | 4 reward points For Every ₹200 |
| Lounge access | 12 airport lounge visits (Gold tier) | 8 airport lounge visits a year |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 8 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, Axis Atlas returns about ₹1,700 more a year after annual fees (₹6,600 vs ₹2,400 in rewards).
| Spend profile | Axis Atlas | HDFC Regalia |
|---|---|---|
| Reward value: top rate / base rate | 5% / 2% | 1% / 1% |
| ₹20,000 a month, all general spends | ₹4,800 | ₹2,400 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹6,600 | ₹2,400 |
| Annual fee | ₹5,000 | ₹2,500 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
The Axis Bank Atlas Visa Credit Card and the HDFC Bank Regalia Credit Card Visa both offer premium benefits with a focus on travel rewards and lounge access. While the Axis Bank Atlas card provides higher accelerated rewards on travel and extensive milestone EDGE Miles, the HDFC Regalia card offers a lower fee structure with a fee waiver option and a straightforward rewards system. Both cards include fuel surcharge waivers and similar international lounge access, catering to frequent travelers.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Axis Bank Atlas Visa Credit Card | HDFC Bank Regalia Credit Card Visa |
|---|---|---|
| Bank | Axis Bank | HDFC Bank |
| Network | Visa | Visa |
| Joining fee | Joining Fee of Rs.5000 | Joining Fee of Rs. 2500 |
| Annual / renewal fee | Second Year Onwards Annual Fee of Rs.5000 | Renewal Fee of Rs. 2500 |
| Annual fee waiver | — | Spend Rs.300000 For Renewal Fee Waiver |
| Top reward rate | Earn 5 EDGE Miles per Rs.100 Spent on Travel | Earn 4 Rewards Points For Every Rs.200 |
| Base rate (other spends) | Earn 2 EDGE Miles per Rs.100 spent | — |
| Lounge — domestic | Gold Tier - 12 Domestic Lounge Access | 8 Complimentary Airport Lounge Access Per Year |
| Lounge — international | Gold Tier - 6 International Lounge Access | 6 Complimentary International Lounge Access |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | Enjoy 2500 EDGE Miles as Welcome Benefit | — |
| Milestone benefit | Annual Benefits 2500 EDGE Miles - Gold Tier; Annual Benefits 5000 EDGE Miles - Platinum Tier | Earn 10000 Bonus Rewards Points on Rs. 5 Lakhs Spends; Earn 15000 Rewards Points on Spend of Rs.8 Lakhs |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
The Axis Bank Atlas Visa Credit Card delivers stronger rewards potential, offering 5 EDGE Miles per Rs.100 spent on travel and 2 EDGE Miles per Rs.100 on general spending. Its milestone benefits further boost rewards with additional EDGE Miles for higher spends. In contrast, the HDFC Regalia Credit Card earns 4 Rewards Points per Rs.200 spent across categories including grocery and insurance, which translates to a lower effective rate. At Rs.20,000 monthly spend, the Axis Atlas card yields about Rs.6,600 annually in rewards compared to Rs.2,400 with the Regalia, making the Axis card preferable for maximizing rewards.
Both cards provide solid travel benefits, including 6 complimentary international lounge accesses per year. The Axis Bank Atlas card offers more domestic lounge access with 12 visits compared to Regalia's 8. Both charge a 3.5% forex markup and include a 1% fuel surcharge waiver. Given the similar forex fees and fuel benefits, the choice depends on whether you value more domestic lounge access (Axis) or concierge services (HDFC Regalia offers 24/7 concierge, Axis does not list concierge benefits). Overall, travel perks are closely matched but with slightly more lounge access on the Axis card.
The HDFC Regalia Credit Card is more economical with a joining and renewal fee of Rs.2,500 each and a clear waiver on renewal if you spend Rs.3 lakhs annually. The Axis Bank Atlas card has a higher joining and renewal fee of Rs.5,000 each with no fee waiver listed in our data. For those mindful of cost, especially beginners or moderate spenders, the Regalia card offers better fee management. However, the Axis card’s higher fees may be justified by its superior rewards and lounge access for heavy spenders.
The Axis Bank Atlas card offers multiple milestone EDGE Miles at spends of Rs.3 lakhs, Rs.7.5 lakhs, and Rs.15 lakhs per anniversary year, providing incremental rewards for higher spending tiers. The HDFC Regalia card also has milestone bonuses at Rs.5 lakhs and Rs.8 lakhs spends, but these are fewer and less frequent.
HDFC Regalia includes 24/7 concierge services, adding convenience for cardholders needing assistance with travel or lifestyle requests. Axis Bank Atlas does not list concierge benefits in our data.
Consider Axis Bank Atlas Visa Credit Card if you prioritize higher rewards on travel spending and want extensive domestic and international lounge access. This card suits frequent travelers and high spenders who can benefit from milestone EDGE Miles and are comfortable with a higher annual fee for enhanced benefits.
Consider HDFC Bank Regalia Credit Card Visa if you prefer a lower annual fee with a waiver option, value a simple and consistent rewards structure across categories like grocery and insurance, and appreciate 24/7 concierge services. This card is well-suited for moderate spenders and those seeking a balanced travel and lifestyle credit card with manageable costs.
Axis Bank Atlas Visa Credit Card has a joining and renewal fee of Rs.5,000 each year with no fee waiver listed. HDFC Bank Regalia Credit Card Visa charges Rs.2,500 for joining and renewal, with a renewal fee waiver if you spend Rs.3 lakhs annually.
Axis Bank Atlas Visa Credit Card offers 5 EDGE Miles per Rs.100 spent on travel, which is a higher rewards rate compared to HDFC Regalia’s 4 Rewards Points per Rs.200 spent.
Yes, both cards provide 6 complimentary international lounge accesses per year. Axis Bank Atlas offers 12 domestic lounge visits annually, whereas HDFC Regalia provides 8.
Both cards offer a 1% fuel surcharge waiver on fuel transactions.
Axis Bank Atlas Visa Credit Card offers a welcome benefit of 2,500 EDGE Miles. HDFC Regalia Credit Card Visa does not list any welcome benefits in our data.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.