HDFC Regalia Gold vs Axis Bank Atlas

Reviewed by Chandan Kumar Dash

HDFC Regalia Gold has the lower annual fee (₹2,500 against ₹5,000). HDFC Regalia Gold waives its fee on ₹4,00,000 of spend a year; Axis Bank Atlas has no spend waiver. For spends abroad, HDFC Regalia Gold charges the lower forex markup (2% plus GST). On all three sample spends below, Axis Bank Atlas comes out ahead after fees. The Saifu app works it out on your own spends, on your phone.

Feature	HDFC Regalia GoldHDFC4 wins · ahead	Axis Bank AtlasAxis0 wins
Annual fee	Lower₹2,500	₹5,000
Joining fee	Lower₹2,500	₹5,000
Fee waiver	Waived on ₹4,00,000 spend a year	No spend waiver
Rewards	5 Reward Points per Rs 200 on retail spends; 5X on Myntra, Nykaa, Reliance Digital and more	5X EDGE Miles per ₹100 on travel; welcome benefit of 2,500 EDGE Miles; 1 EDGE Mile converts to 2 partner miles
Airport lounges	More3 a quarter domestic, 6 a year international	8 a year domestic, 4 a year international
Forex markup	Lower2% plus GST	3.5% plus GST
Points	Reward Points, about ₹0.2 a point	EDGE Miles, about ₹1 a point
Published minimum income and age	Salaried ₹18,00,000 a year, self-employed ₹18,00,000 a year, age 21 to 60	Salaried ₹12,00,000 a year, self-employed ₹15,00,000 a year, age 18 to 70
Network	Visa / Mastercard	Not listed
Apply	ApplyAffiliate link	ApplyAffiliate link

Badges mark the lower fee, waiver spend or markup, and more lounge visits. Rewards are not scored here because they depend on where you spend. Affiliate link, costs you nothing extra, we may earn a commission, never changes how cards are ranked. Figures come from each bank's page and can change; check before you apply.

What each card earns in a year

Sample spender	HDFC Regalia Gold	Axis Bank Atlas
Everyday spender₹30,000 a month	-₹880 a year₹1,620 rewards, less ₹2,500 fee	More₹640 a year₹5,640 rewards, less ₹5,000 fee
Online shopper₹50,000 a month	₹3,720 a year₹3,720 rewards, no fee to pay	More₹6,040 a year₹11,040 rewards, less ₹5,000 fee
Frequent traveller₹1,00,000 a month	₹5,700 a year₹5,700 rewards, no fee to pay	More₹25,120 a year₹30,120 rewards, less ₹5,000 fee

The sample spends and how this is worked out

Everyday spender, ₹30,000 a month: DMart ₹6,000, BigBasket ₹2,000, Swiggy ₹2,000, Zomato ₹1,500, Amazon ₹3,000, Flipkart ₹1,500, Bills paid on Google Pay ₹2,500, Airtel ₹1,000, Indian Oil ₹3,000, Restaurant (in person) ₹2,500, Uber ₹1,000, Other spends in shops ₹4,000.
Online shopper, ₹50,000 a month: Amazon ₹10,000, Flipkart ₹8,000, Myntra ₹3,000, Swiggy ₹4,000, Zomato ₹3,000, Blinkit ₹4,000, BookMyShow ₹1,500, Uber ₹2,000, Bills paid on Google Pay ₹3,000, Jio ₹1,000, Netflix ₹500, Restaurant (in person) ₹3,000, Other spends in shops ₹7,000.
Frequent traveller, ₹1,00,000 a month: MakeMyTrip ₹10,000, Cleartrip ₹5,000, IRCTC ₹2,000, IndiGo ₹10,000, Marriott Bonvoy hotels ₹8,000, Spends abroad ₹15,000, Uber ₹4,000, Restaurant (in person) ₹8,000, Amazon ₹10,000, Swiggy ₹5,000, DMart ₹8,000, Bills paid on Google Pay ₹4,000, Indian Oil ₹5,000, Other spends in shops ₹6,000.

Worked out with the same reward rules and caps the Saifu app uses. Points are counted at the cash value in the table above. The annual fee counts as waived when the spend reaches the waiver. Joining fees, welcome gifts and milestone vouchers are not counted. Your own spends will give different figures.

Common questions

Which is better, HDFC Regalia Gold or Axis Bank Atlas?

On all three sample spends below, Axis Bank Atlas comes out ahead after fees. It depends on where you spend: compare the figures for the sample spender closest to you, or add your own spends in the Saifu app.

Which has the lower annual fee?

HDFC Regalia Gold (₹2,500 against ₹5,000). HDFC Regalia Gold waives it on ₹4,00,000 of spend a year.

Add a third card HDFC Regalia Gold Axis Bank Atlas

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