HDFC Regalia Gold vs Axis Bank Atlas
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). Which one earns more depends on where you spend. 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 | Bank page | Bank page |
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.
More comparisons
- HDFC Millennia vs SBI Cashback
- Axis Flipkart vs Flipkart SBI Card
- Amazon Pay ICICI vs Axis Flipkart
- SimplyCLICK SBI Card vs Amazon Pay ICICI
- HDFC Regalia Gold vs Axis Bank Atlas
- Axis Bank Magnus vs Diners Club Black Metal Edition
- Axis Bank Atlas vs SBI Card Miles Elite
- Swiggy HDFC vs HDFC Millennia
- Tata Neu Infinity HDFC Bank vs Tata Neu Infinity SBI Card
- Tata Neu Plus HDFC Bank vs Tata Neu Plus SBI Card
- Axis Bank ACE vs SBI Cashback
- HSBC Live+ vs SBI Cashback
- Airtel Axis Bank vs Axis Bank ACE
- ICICI Bank Coral vs HDFC MoneyBack+
- FIRST Wealth vs FIRST Select
- IRCTC HDFC Bank vs IRCTC SBI Card Premier
- Scapia Axis Bank vs Scapia Federal
Spot a mistake on this page? Tell us