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Axis Atlas vs HDFC Regalia Gold

Verified 30 sources

Your monthly spend

Axis Atlas beats HDFC Regalia Gold by ₹9,100 a year at ₹30,000 a month: ₹12,100 against ₹3,000, after fees

Axis Atlas beats HDFC Regalia Gold by ₹10,400 a year at ₹75,000 a month: ₹40,200 against ₹29,800, after fees

Axis Atlas beats HDFC Regalia Gold by ₹41,900 a year at ₹1.5 lakh a month: ₹85,500 against ₹43,600, after fees

Axis Atlas beats HDFC Regalia Gold by ₹74,800 a year at ₹3 lakh a month: ₹1,46,000 against ₹71,200, after fees

Axis Atlas beats HDFC Regalia Gold by ₹1,18,700 a year at ₹5 lakh a month: ₹2,26,600 against ₹1,07,900, after fees

Axis Atlas credit card

Axis Bank

Axis Atlas

Our verdict: Keep Closed

HDFC Regalia Gold credit card

HDFC Bank

HDFC Regalia Gold

Our verdict: Keep

HDFC Regalia Gold vs Axis Atlas: which should you pick?

The miles card every forum still asks about against the one HDFC still sells. Atlas pays 2 EDGE Miles per ₹100 and 5 on direct airline, hotel and Travel EDGE bookings up to ₹2L of travel a month, in miles that move 1:2 to KrisFlyer, Aeroplan and Etihad Guest; Regalia Gold pays HDFC points that move to 22 transfer partners at 2:1 or worse. Atlas out-earns Regalia Gold at every spend level the page tests. The catch is the door: Atlas closed to new applicants in Aug 2025, and only Regalia Gold still takes them. ₹5,000 with no spend waiver against ₹2,500 waived at ₹4,00,000; forex is 3.5% against 2%. Atlas opens eight to eighteen domestic lounge visits a year by milestone tier, Regalia Gold three domestic a quarter on ₹60,000 of the previous quarter's spend and six international.

Axis Atlas is the better card at every spend we test, and its lead over HDFC Regalia Gold grows as you spend more: ₹3,000 a year at ₹25,000 a month, ₹1,18,700 at ₹5 lakh. At ₹75,000 a month the gap is mostly what each card earns on your spend: Axis Atlas returns ₹30,200 a year in rewards to HDFC Regalia Gold's ₹19,800, even though Axis Atlas has the higher fee. Pick HDFC Regalia Gold instead if you spend abroad: its forex markup is 2% against 3.5% on Axis Atlas, 1.5 percentage points less on every rupee spent in another currency, or if you would rather pay less to get the card: HDFC Regalia Gold costs ₹2,500/yr, Axis Atlas ₹5,000/yr. One catch: Axis Atlas is closed to new applicants, so if you are applying today, HDFC Regalia Gold is the card you can actually get.

Axis Atlas review HDFC Regalia Gold review

Side by side

Axis Atlas and HDFC Regalia Gold, fact by fact
FactAxis AtlasHDFC Regalia Gold
Can you get itClosed to new applicantsOpen to apply✓ Better
Fee (joining · annual, + GST)₹5,000/yr₹2,500/yr✓ Better
Fee waiverNoneSpend ₹4,00,000 a year
Reward rate on everyday spend4.0%✓ Better1.6%
PointsAxis EDGE MilesHDFC Reward Points
Our value per point₹2.00₹1.00 †
Transfer partners27✓ Better22
Lounges it gets you into667 of 792720 of 792✓ Better
Forex markup3.5% + GST2% + GST✓ Better
Welcome benefit2,500 EDGE Miles on the first transaction within 37 daysComplimentary Swiggy One + MMT Black Gold memberships, on ₹1L spend in the first 90 days

✓ Better marks the side that wins a row; rows that compare unlike things are not scored. Axis Atlas is ahead on 8 of the 12 rows we can call.

More facts 8 rows
Rank, verdict, lounge visits and fine print
FactAxis AtlasHDFC Regalia Gold
Our rankNot ranked (closed)#6
Our verdictKeepKeep
Lounge visits in India8 / 12 / 18 visits/yr (Silver / Gold / Platinum) at the 20 rooms on Axis's Set B list3 visits/quarter
Lounge visits abroad4 / 6 / 12 visits/yr by tier6 visits/yr (Priority Pass, outside India only)
Forex, in the bank’s words3.5% + GST. Dynamic currency conversion markup 3.5% since 28 August 2026, up from 1.5%, per the bank-wide revision notice.2% + GST
Interest (APR)3.75%/mo (55.55%/yr, compounded as quoted by Axis)3.75%/mo (45%/yr)
Income needed (salaried)₹12L+/yr₹1.5L+/month net (private); ₹1L+/month (govt)
Income needed (self-employed)₹15L+/yrITR ₹18L+/yr

† HDFC Regalia Gold: One catch on that ₹1.00: Regalia Gold can't reach it. Its points cap out at ₹0.65 (Gold Catalogue) or ₹0.50 (flights/hotels) — a 35–50% haircut vs the HDFC house value. Our 1.6% reward rate already prices that in.

Our value per point is what we think a point is worth when you use it well; every currency's figure and its reasoning is on points values.

What each is worth to you

A year of rewards and bonuses, after the fee
Monthly spendAxis AtlasHDFC Regalia Gold
At ₹30,000 a month₹12,100✓ Better₹3,000
At ₹75,000 a month₹40,200✓ Better₹29,800
At ₹1.5 lakh a month₹85,500✓ Better₹43,600
At ₹3 lakh a month₹1,46,000✓ Better₹71,200
At ₹5 lakh a month₹2,26,600✓ Better₹1,07,900
Pays for itself from₹13,000 a month✓ Better₹14,000 a month

On an everyday mix of spending (groceries, bills, travel, fuel and the rest), using each card's own rules for each kind of spend. The same figures as each card's own page.

Every spend from ₹25,000 to ₹5 lakh 20 steps
Axis Atlas and HDFC Regalia Gold at each ₹25,000 step
Monthly spendAxis AtlasHDFC Regalia GoldAhead
₹25,000₹5,100✓ Better₹2,100Axis Atlas by ₹3,000
₹50,000₹20,200✓ Better₹14,200Axis Atlas by ₹6,000
₹75,000₹40,200✓ Better₹29,800Axis Atlas by ₹10,400
₹1 lakh₹50,300✓ Better₹34,400Axis Atlas by ₹15,900
₹1.25 lakh₹60,400✓ Better₹39,000Axis Atlas by ₹21,400
₹1.5 lakh₹85,500✓ Better₹43,600Axis Atlas by ₹41,900
₹1.75 lakh₹95,600✓ Better₹48,200Axis Atlas by ₹47,400
₹2 lakh₹1,05,600✓ Better₹52,800Axis Atlas by ₹52,800
₹2.25 lakh₹1,15,700✓ Better₹57,400Axis Atlas by ₹58,300
₹2.5 lakh₹1,25,800✓ Better₹62,000Axis Atlas by ₹63,800
₹2.75 lakh₹1,35,900✓ Better₹66,600Axis Atlas by ₹69,300
₹3 lakh₹1,46,000✓ Better₹71,200Axis Atlas by ₹74,800
₹3.25 lakh₹1,56,000✓ Better₹75,800Axis Atlas by ₹80,200
₹3.5 lakh₹1,66,100✓ Better₹80,400Axis Atlas by ₹85,700
₹3.75 lakh₹1,76,200✓ Better₹84,900Axis Atlas by ₹91,300
₹4 lakh₹1,86,300✓ Better₹89,500Axis Atlas by ₹96,800
₹4.25 lakh₹1,96,400✓ Better₹94,100Axis Atlas by ₹1,02,300
₹4.5 lakh₹2,06,400✓ Better₹98,700Axis Atlas by ₹1,07,700
₹4.75 lakh₹2,16,500✓ Better₹1,03,300Axis Atlas by ₹1,13,200
₹5 lakh₹2,26,600✓ Better₹1,07,900Axis Atlas by ₹1,18,700
How we work out the yearly value

We put each card through the same everyday mix of spending, apply that card's own rules for each kind of spend (some earn nothing on fuel or bills), add its milestone and renewal bonuses at our value per point, and take off the fee unless that spend waives it. Bonus categories that need you to shop a certain way are not counted. Your own mix will differ: try your numbers in the calculator, or read how we value cards.

Before you choose

Transfer partners 27 and 22

Axis Atlas's Axis EDGE Miles move to 27 airline and hotel partners; HDFC Regalia Gold's HDFC Reward Points move to 22.

The best-known partners both reach (points : miles)
PartnerAxis AtlasHDFC Regalia Gold
Singapore Airlines KrisFlyer1:22:1
Finnair Plus (Avios)2:12:1
Qatar Airways Privilege Club (Avios)2:1100:33

Only Axis Atlas: Ethiopian ShebaMiles, Hilton Honors, IndiGo BluChip.

Only HDFC Regalia Gold: Marriott Bonvoy, Avianca LifeMiles, Club ITC.

Every partner and ratio is on each card's page; the best value for your points is on the transfer optimizer.

Watch out 6 points

Axis Atlas

  • Closed to new applications, re-verified 2026-08-15: Axis's own catalogue gives Atlas a "Know More" tile with NO Apply Now, its travel-cards range no longer lists Atlas at all, and the one Atlas-tagged apply link left on the product page is commented out of the markup
  • Hotel grid on the 25 Sep 2026 Travel EDGE table: Marriott still gone, ITC off, Accor back at 2:1, Hilton new at the standard 1:2
  • The punished 2:1 set is BA, Finnair, Qatar, Vietnam Lotusmiles, IndiGo, Cathay and the returned Accor — four times worse than the 1:2 partners

6 more on its page

HDFC Regalia Gold

  • Cashing out to your statement is ₹0.15 a point, down from ₹0.20 — HDFC's MITC dates it 1 Nov 2025, though its own page printed ₹0.20 until Jul-2026 and still does in one place
  • Jul-2026: 3 domestic lounge visits/quarter now need ₹60k prior-quarter spend
  • May 2026 cut lowered the effective earn ~6%

5 more on its page

Common questions 5 answered

Which is better, Axis Atlas or HDFC Regalia Gold?

Axis Atlas is the better card at every spend we test, and its lead over HDFC Regalia Gold grows as you spend more: ₹3,000 a year at ₹25,000 a month, ₹1,18,700 at ₹5 lakh. At ₹75,000 a month the gap is mostly what each card earns on your spend: Axis Atlas returns ₹30,200 a year in rewards to HDFC Regalia Gold's ₹19,800, even though Axis Atlas has the higher fee. Pick HDFC Regalia Gold instead if you spend abroad: its forex markup is 2% against 3.5% on Axis Atlas, 1.5 percentage points less on every rupee spent in another currency, or if you would rather pay less to get the card: HDFC Regalia Gold costs ₹2,500/yr, Axis Atlas ₹5,000/yr. One catch: Axis Atlas is closed to new applicants, so if you are applying today, HDFC Regalia Gold is the card you can actually get.

Axis Atlas or HDFC Regalia Gold: which is worth more at ₹3 lakh a month?

Axis Atlas beats HDFC Regalia Gold by ₹74,800 a year at ₹3 lakh a month. Both figures are a year's rewards and bonuses on an everyday spending mix, after the fee.

Which costs less to get, Axis Atlas or HDFC Regalia Gold?

HDFC Regalia Gold: ₹2,500/yr against ₹5,000/yr. Axis Atlas has no fee waiver; HDFC Regalia Gold waives its fee if you spend ₹4,00,000 a year.

Which gets you into more airport lounges, Axis Atlas or HDFC Regalia Gold?

HDFC Regalia Gold: 720 of the 792 lounges we track, against 667 for Axis Atlas. Visit limits and guest charges differ by card; each card's page lists them.

How current is this comparison?

Axis Atlas was last checked against its bank's own documents on 25 Sep 2026, HDFC Regalia Gold on 24 Oct 2026. Every figure here is worked out again from those records each time the site is built, so a change to either card shows up the day we log it.

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Sources

Axis Atlas was last checked against its bank's own documents on 25 Sep 2026, HDFC Regalia Gold on 24 Oct 2026. Every fact above comes from these 30 documents; the banks' own are marked official. A fact a bank does not publish shows as "not published", never as zero.

The documents 30 sources
  1. Official Revision of Axis Bank Credit Card Terms and Conditions — the bank-wide notice: DCC 1.5% to 3.5%, and gift cards, Bridge Fees, Road Fees and Tolls out of rewards, from 28 Aug 2026 read
  2. Official Atlas features T&C PDF — welcome 2,500 EDGE Miles on 1 transaction within 37 days (cards sourced from 20-Apr-2024 onwards; older vintages 5,000) read
  3. Official Axis Bank Atlas product page — live but not selling on 2026-08-15: the page's only Atlas-tagged apply CTA sits inside an HTML comment, and no closure notice is published read
  4. Official Axis Bank's own credit-card catalogue — the Atlas tile renders a single "Know More" button and no "Apply Now", the treatment Axis gives cards it has stopped sourcing read
  5. Official Axis Bank Key Fact Sheet, updated 12-Aug-2026 — Atlas joining ₹5,000 / annual ₹5,000 with NO spend-based waiver, 55.55% p.a., 3.5% foreign transaction fee, 1.5% DCC markup read
  6. Official Axis Bank's own travel credit-cards range — Atlas is absent entirely, while Magnus, Select, Horizon, Privilege and IndiGo are listed there with "Apply Now" read
  7. Official Axis Bank Domestic Airport Lounge Access Program — Atlas sits in Set B and is expressly EXEMPT from the ₹50,000 prior-3-calendar-month spend criterion read
  8. Official Axis Bank Points/Miles Transfer ratio table — "Atlas credit card: 1 EDGE Mile = 2 Partner Points" read
  9. Community TechnoFino's Atlas thread, opened 26 Aug 2025 and titled "Applications Closed from August 31st 2025" — the community record of the same deadline read
  10. Community LiveFromALounge, published 29 Aug 2025 — new sourcing paused, and holders told not to cancel read
  11. Community LiveFromALounge, published 27 Aug 2025 — "Axis Bank will close the Atlas product to new applicants as of September 2025", with a reported apply-by of 31 August 2025 read
  12. Community Apr-2026 partner purge read
  13. Community CardNitty — Atlas is Visa Signature, single network read
  14. Community CardInsider forex table — Atlas at the standard 3.5% Axis markup (vs Magnus 2%, Reserve 1.5%) read
  15. Official Axis Bank master MITC for credit cards — the fees, charges and terms this card's MITC row is read from read
  16. Official Product page — "5 Reward Points on every Rs. 200 spent", and the redemption table that prices this card's points, "Exclusive Gold Catalogue ₹0.65 · Flights and hotel bookings ₹0.5" read
  17. Official HDFC Bank Key Fact Statement cum MITC, version 4.15 dated October 2026 — clause I(x) prices a Regalia Gold point at 15 paise against the statement balance, with effect from 1 November 2025 read
  18. Official Product-feature-change notice PDF — Boarding Edge and "Earn 5 Reward Points for every ₹200 spent" both effective 15th May 2026 read
  19. Official Regalia Gold Rewards Points Program T&C — the 50,000 RP/month cap on MILES TRANSFERS, the four named 5X merchants, and the 1.75% dynamic & static conversion markup "W.e.f 15th May, 2026" read
  20. Official SmartBuy core-offer T&C (window 01-10-2026 to 31-10-2026) — the Regalia tier earns 5X on flights, 10X on hotels, 5X on brand vouchers, capped 4,000 RP a month read
  21. Official Product page (AMP mirror) — ₹4L waiver, 5X brands, milestones, redemption grid read
  22. Community CardInsider — May-2026 revision (5 RP/₹200, ₹60k lounge gate w.e.f. 1-Jul-2026, DCC 1.75%) read
  23. Community CardExpert — 3 visits/qtr behind ₹60k gate, PP 6/yr unchanged, Boarding Edge read
  24. Community CardInsider — RuPay Select variant launch (9-Oct-2025) read
  25. Community TechnoFino — issued on both Visa Signature and Mastercard World read
  26. Community CardInsider forex table — Regalia Gold 2% forex markup (below the 3.5% norm) read
  27. Community pointsmath HDFC transfer grid — the eligibility check for our 22 routes; Only Infinia, Diners Club Black and Regalia Gold have "all 21 transfer partners available" read
  28. Official HDFC's BANK-WIDE 15-May-2026 revision notice — its accrual table names "Regalia Gold | 5 | 200", corroborating the card-specific product-feature-change PDF read
  29. Official HDFC Bank consolidated fees & charges PDF (KFS/MITC, v2.5, Mar-2025) — the fees, charges and terms this card's MITC row is read from read
  30. Official HDFC Bank Rewards Points Program T&C — the fuel, rent, government, wallet and EMI exclusions and the monthly category caps read

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