HDFC Regalia Gold vs Axis Atlas
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Regalia Gold wins 6-2. Mid-tier travel + dining without the Diners Black price tag Axis Atlas is still the right call if travel-heavy spenders who transfer to airline partners (vistara, singapore airlines, etc.).
Side-by-side
| Criterion | HDFC Regalia Gold | Axis Atlas |
|---|---|---|
| Annual fee | ₹2,500 | · ₹5,000 |
| Joining fee | ₹2,500 | · ₹5,000 |
| Top reward rate | 25% (travel) | · 10% (travel) |
| Base reward rate | 4% | · 2% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = 5,000 EDGE Miles on joining |
| Fee waiver threshold | ₹400,000 / yr | · ₹750,000 / yr |
| Min income | · ₹1,200,000 | ₹800,000 |
| Min credit score | = 770 | = 770 |
| Editorial rating | · 4.6/5 | 4.7/5 |
Benefits compared
HDFC Regalia Gold
- 5x reward points on travel + dining via SmartBuy
- 4 complimentary international lounge visits per year (Priority Pass)
- 12 complimentary domestic lounge visits per year
- Annual memberships: Club Vistara Silver, MMT Black Elite
- Low forex markup: 2%
- Milestone benefits at ₹1.5L, ₹3L and ₹4L spend
Axis Atlas
- 5x EDGE Miles per ₹100 on travel (5x cap above standard rate)
- 2 EDGE Miles per ₹100 on everything else
- 8 international + 8 domestic lounge visits/year
- Transferable to 20+ airline + hotel partners (1:2 ratio)
- 3.5% forex markup (high — pair with Diners for international)
FAQ
›HDFC Regalia Gold vs Axis Atlas: which is better?
HDFC Regalia Gold wins on more dimensions (6 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use HDFC Regalia Gold for its best categories, Axis Atlas for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Regalia Gold: 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher. Axis Atlas: 5,000 EDGE Miles on joining.