HDFC Bank Regalia Gold vs Axis Bank Atlas
Side-by-side for the example profile – edit spend and travel needs to make it yours.
Regalia Gold vs Atlas (Sept 2026): for the standard ₹32k/month profile Axis Bank Atlas wins on score (45/100, ₹5,033 recurring net savings a year) vs Regalia Gold 41/100 (₹1,276). Cheapest to hold: Regalia Gold (₹2,950 incl. GST). Edit the spend on this page to re-score for yours.
Recommendation for Typical Indian cardholder (₹32k/month)
HDFC Bank Regalia Gold scores highest (41/100) with ₹1,276 recurring net savings a year. Axis Bank Atlas saves more in pure rupees (₹5,033) but scores lower on redemption, lifestyle or fee safety.
Edit your spend and travel needs above – scores, savings and this verdict update instantly.
Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend
| Card | ||
|---|---|---|
| Overview | ||
| Personal score | 41/100 | 45/100 BEST |
| Recurring net savings | ₹1,276/yr | ₹5,033/yr BEST |
| Effective savings rate | 0.4% | 1.5% BEST |
| Annual fee incl. GST | You pay ₹2,950 BEST | You pay ₹5,900 |
| Usable lounge visits | ✈12 dom🌏6 intl you can use 2 | ✈8 dom🌏4 intl you can use 2 |
| Why it fits | ✓ Base rate 1.33% on other spends earns you about ₹2,653 a year on… | ✓ Base rate 2% on other spends earns you about ₹4,133 a year on… |
| Main drawback | ! You pay the ₹2,950 annual fee (incl. GST) – waiver needs ₹4,00,000… | ! You pay the ₹5,900 annual fee (incl. GST) – waiver needs a fee-based… |
| How the net figure adds up | ||
| + Reward value on your spend | ₹3,866 at ₹0.5/Reward Points | ₹5,933 at ₹1/EDGE Miles BEST |
| + Milestone bonuses you reach | ₹0 0 of 3 achieved | ₹2,500 1 of 3 achieved BEST |
| + Fuel surcharge waiver | ₹360 BEST | none |
| + Lifestyle benefits you asked for | none matched | none matched |
| + Renewal bonus (only when the fee is charged) | — | ₹2,500 BEST |
| − Annual fee incl. 18% GST | −₹2,950 BEST | −₹5,900 |
| − Forex markup on international spend | none | none |
| = Recurring net savings | ₹1,276/yr | ₹5,033/yr BEST |
| ÷ Card spend counted | ₹3,26,640 UPI-only rupees excluded on non-RuPay cards | ₹3,26,640 UPI-only rupees excluded on non-RuPay cards |
| = Effective savings rate | 0.4% | 1.5% BEST |
| Rewards on your spend | ||
| Groceries & quick-commerce (₹72,000/yr) | ₹575 0.8% | ₹864 1.2% BEST |
| Dining & food delivery (₹48,000/yr) | ₹562 1.2% | ₹845 1.8% BEST |
| Online shopping (₹72,000/yr) | ₹958 1.3% | ₹1,440 2.0% BEST |
| Fuel (₹36,000/yr) | ₹0 0.0% | ₹0 0.0% |
| Cabs & commute (₹18,000/yr) | ₹144 0.8% | ₹216 1.2% BEST |
| Bills & utilities (₹30,000/yr) | ₹399 1.3% BEST | ₹0 0.0% |
| Flights (₹24,000/yr) | ₹319 1.3% | ₹1,200 5.0% BEST |
| Hotels (₹12,000/yr) | ₹160 1.3% | ₹600 5.0% BEST |
| Movies & OTT (₹9,600/yr) | ₹128 1.3% | ₹192 2.0% BEST |
| Insurance premiums (₹18,000/yr) | ₹239 1.3% BEST | ₹0 0.0% |
| Everything else (₹48,000/yr) | ₹383 0.8% | ₹576 1.2% BEST |
| Base earn rate | 1.33% | 2% BEST |
| Accelerated categories | 3 rules
| 1 rule
|
| Excluded categories | fuel, rent | fuel, rent, utilities, insurance, education |
| Caps hit for your spend | None | None |
| Milestones |
|
|
| UPI rewards (RuPay) | Not UPI-enabled | Not UPI-enabled |
| Fees & first year | ||
| Joining fee | ₹2,500 + GST | ₹5,000 + GST |
| Fee waiver | On ₹4,00,000 annual spend | Never |
| Renewal benefit | None | 2,500 miles on renewal (Silver tier; more at higher tiers) |
| Welcome benefit (first year only) | ₹2,500 gift voucher on joining-fee payment ≈ ₹2,250 | 2,500 EDGE Miles on first transaction within 37 days ≈ ₹2,500 |
| First-year value (separate) | ₹3,526 | ₹5,033 BEST |
| Travel | ||
| Domestic lounge entitlement | 12 per year | 8 per year |
| International lounge entitlement | 6 per year | 4 per year |
| Lounge condition | None | None |
| Forex markup | 2% BEST | 3.5% |
| Redemption & simplicity | ||
| Reward currency | Reward Points · ₹0.5/unit | EDGE Miles · ₹1/unit |
| How to redeem | Details1 RP = ₹0.50 on SmartBuy flights/hotels; ₹0.35 vouchers; ₹0.20 statement. | DetailsTransfer 1:1 (2:1 to some) to airline & hotel partners; ₹1/mile on Axis Travel Edge bookings. |
| Redemption flexibility | ★★★☆☆ | ★★★★☆ BEST |
| Simplicity | ★★★☆☆ | ★★★☆☆ |
| Lifestyle | ||
| Benefits you asked for | fuel waiver | fuel waiver |
| All lifestyle perks | fuel waiver, insurance cover, concierge | concierge, insurance cover |
| Eligibility | Income ₹12L+/yr or ₹1L+/month salary | Income ₹12L+/yr |
| Score breakdown | ||
| Net savings rate | 8/100 × 55% = 4.4 | 31/100 × 55% = 17.2 |
| Usable lounge access | 100/100 × 15% = 15.0 | 100/100 × 15% = 15.0 |
| Redemption flexibility | 60/100 × 10% = 6.0 | 80/100 × 10% = 8.0 |
| Lifestyle fit | 100/100 × 10% = 10.0 | 0/100 × 10% = 0.0 |
| Simplicity | 60/100 × 5% = 3.0 | 60/100 × 5% = 3.0 |
| Fee safety | 49/100 × 5% = 2.4 | 45/100 × 5% = 2.3 |
| Sources | ||
| Official source | HDFC Bank – Regalia Gold | Axis Bank – Atlas Credit Card |
| Last reviewed | 2026-09-12 | 2026-09-12 |
Frequently asked questions
Which is better: Regalia Gold or Atlas?
For the example profile, Axis Bank Atlas scores highest (45/100, ₹5,033 recurring net savings). The answer changes with your spend mix, lounge needs and fee comfort – edit the profile on this page.
Which has the lower annual fee?
Regalia Gold: ₹2,950 incl. GST; Atlas: ₹5,900 incl. GST.