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In short: HDFC Regalia Gold has the lower annual fee (₹2,500 vs ₹5,000); Axis Atlas includes 12 airport lounge visits (Gold tier), HDFC Regalia Gold 3 airport lounge visits a quarter; HDFC Regalia Gold has the lower forex markup (2% vs 3.5%).
| Key facts | Axis Atlas | HDFC Regalia Gold |
|---|---|---|
| Annual fee | ₹5,000 | ₹2,500 |
| Joining fee | ₹5,000 | ₹2,500 |
| Annual fee waived | Not listed | On ₹4 lakh annual spend |
| Top reward rate | 5 EDGE Miles per ₹100 Spent on Travel | 5X reward points on Myntra, Reliance Digital, Nykaa and 1 more |
| Base rewards | 2 EDGE Miles per ₹100 spent | 5 reward points For Every ₹200 |
| Lounge access | 12 airport lounge visits (Gold tier) | 3 airport lounge visits a quarter |
| Forex markup | 3.5% | 2% |
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, HDFC Regalia Gold returns about ₹3,700 more a year after annual fees (₹7,800 vs ₹6,600 in rewards).
| Spend profile | Axis Atlas | HDFC Regalia Gold |
|---|---|---|
| Reward value: top rate / base rate | 5% / 2% | 8.13% / 1.63% |
| ₹20,000 a month, all general spends | ₹4,800 | ₹3,900 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹6,600 | ₹7,800 |
| 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 HDFC Bank Regalia Gold Credit Card both offer premium benefits with distinct reward structures and travel perks. Axis Bank Atlas focuses on travel rewards with EDGE Miles and extensive lounge access, while HDFC Regalia Gold emphasizes shopping rewards and milestone vouchers. Their fees and forex charges also differ, making each suitable for different spending habits and preferences.
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 Gold Credit Card |
|---|---|---|
| Bank | Axis Bank | HDFC Bank |
| Network | Visa | MasterCard |
| 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.400000 For Renewal Fee Waiver |
| Top reward rate | Earn 5 EDGE Miles per Rs.100 Spent on Travel | 5X reward points on Myntra, Reliance Digital, Nykaa and 1 more |
| Base rate (other spends) | Earn 2 EDGE Miles per Rs.100 spent | Earn 5 Rewards Points For Every Rs.200 |
| Lounge — domestic | Gold Tier - 12 Domestic Lounge Access | 3 Domestic Lounge Visits Per Calendar Quarter |
| Lounge — international | Gold Tier - 6 International Lounge Access | 6 Complimentary Lounge Access Outside India |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | — |
| Welcome benefit | Enjoy 2500 EDGE Miles as Welcome Benefit | Complimentary MMT Black Gold Membership |
| Milestone benefit | Annual Benefits 2500 EDGE Miles - Gold Tier; Annual Benefits 5000 EDGE Miles - Platinum Tier | Get Rs.1500 Vouchers on Spend Rs.150000; Get Rs.5000 Additional Flight Vouchers on Spend Rs.7.5 Lakhs |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 2% - Foreign Currency Transactions |
For rewards, the HDFC Bank Regalia Gold Credit Card offers a higher earning potential, especially with 5X reward points on select shopping brands like Myntra, Nykaa, and Reliance Digital, translating to about Rs.7,800 annually at Rs.20,000 monthly spend. Its base reward rate is 5 points per Rs.200 spent, which is lower than Axis Bank Atlas's base rate but compensated by strong category bonuses. Axis Bank Atlas provides 5 EDGE Miles per Rs.100 on travel and 2 EDGE Miles generally, worth about Rs.6,600 yearly. If your spend is travel-heavy, Axis’s miles might be more valuable, but for diversified or shopping-focused spend, HDFC’s rewards are superior.
Axis Bank Atlas Visa Credit Card stands out for travel benefits with 12 domestic and 6 international lounge accesses under its Gold Tier, compared to HDFC Regalia Gold’s 3 domestic lounges per quarter and 6 international lounges. Additionally, Axis offers a 1% fuel surcharge waiver and milestone EDGE Miles on high spends, enhancing travel value. HDFC Regalia Gold provides milestone flight vouchers and complimentary memberships like MMT Black Gold, which add travel convenience but fewer lounge visits. Overall, Axis Bank Atlas is better suited for frequent travelers seeking lounge access and travel miles.
The HDFC Bank Regalia Gold Credit Card has a lower joining and renewal fee of Rs.2,500 each, with a renewal fee waiver on spending Rs.4,00,000 annually, making it more cost-effective for moderate to high spenders. Axis Bank Atlas charges Rs.5,000 for joining and renewal without a listed waiver, making it pricier. Additionally, Axis’s forex markup is higher at 3.5% compared to HDFC’s 2%, impacting international spenders. Thus, HDFC Regalia Gold offers a lower effective cost and better fee waiver options.
Axis Bank Atlas Visa Credit Card emphasizes travel rewards with EDGE Miles and milestone bonuses tied to high spends, while HDFC Regalia Gold focuses on accelerated reward points on popular shopping brands and milestone flight vouchers, catering to different spending patterns.
Axis Bank Atlas has a higher forex markup of 3.5%, which may increase costs for international transactions, whereas HDFC Regalia Gold offers a lower 2% forex charge, making it more economical for overseas spending.
Consider Axis Bank Atlas Visa Credit Card if you prioritize travel rewards and extensive lounge access, especially if you frequently travel domestically and internationally. Its EDGE Miles program and milestone benefits reward high spenders with valuable miles, and the 1% fuel surcharge waiver adds savings for fuel purchases.
Consider HDFC Bank Regalia Gold Credit Card if you seek strong rewards on shopping categories like Myntra, Nykaa, and Reliance Digital, along with milestone flight vouchers and complimentary memberships such as MMT Black Gold. Its lower fees and forex markup also make it suitable for those looking for cost-effective premium credit card benefits.
Axis Bank Atlas Visa Credit Card charges Rs.5,000 as joining and renewal fees with no listed waiver. HDFC Bank Regalia Gold Credit Card charges Rs.2,500 for joining and renewal, with a renewal fee waiver if you spend Rs.4,00,000 annually.
Axis Bank Atlas provides 12 domestic and 6 international lounge accesses under its Gold Tier, while HDFC Regalia Gold offers 3 domestic lounge visits per calendar quarter and 6 international lounge accesses.
Axis Bank Atlas offers 5 EDGE Miles per Rs.100 on travel and 2 EDGE Miles generally, while HDFC Regalia Gold gives 5 reward points per Rs.200 spent, with 5X points on select shopping brands. At Rs.20,000 monthly spend, HDFC’s rewards are about Rs.7,800 yearly versus Rs.6,600 for Axis.
Axis Bank Atlas Visa Credit Card offers a 1% fuel surcharge waiver. HDFC Regalia Gold Credit Card does not list any fuel surcharge waiver in our data.
Axis Bank Atlas charges 3.5% on foreign currency transactions, whereas HDFC Regalia Gold charges a lower 2% forex markup.
Axis Bank Atlas provides 2,500 EDGE Miles as a welcome benefit. HDFC Regalia Gold offers complimentary MMT Black Gold Membership as a welcome benefit upon meeting spend criteria.