Head-to-head · 🇮🇳 India
Axis Atlas vs HDFC Regalia
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
Axis Bank
Axis Atlas
VISA
Wins 3 of 10
IN
HDFC Bank
HDFC Regalia
VISA
Wins 6 of 10
Verdict
HDFC Regalia wins 6-3. Mid-tier travel without the Regalia Gold 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 | Axis Atlas | HDFC Regalia |
|---|---|---|
| Annual fee | · ₹5,000 | ₹2,500 |
| Joining fee | · ₹5,000 | ₹2,500 |
| Top reward rate | 5% (travel) | · 2.7% (general) |
| Base reward rate | · 2% | 2.7% |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | = 2,500 EDGE Miles on 1 transaction within 37 days | = 2,500 reward points on first 90-day spend |
| Fee waiver threshold | · No waiver | ₹300,000 / yr |
| Min income | ₹1,000,000 | · ₹1,200,000 |
| Min credit score | · 780 | 770 |
| Editorial rating | 4.5/5 | · 4.3/5 |
Benefits compared
Axis Atlas
- 5 EDGE Miles per ₹100 on travel (capped ₹2 lakh/month), 2 per ₹100 on other spends
- No annual fee waiver offered
- 8 international + 8 domestic lounge visits/year
- Transferable to 20+ airline + hotel partners
- 3.5% forex markup (high, pair with a zero-forex card for international)
HDFC Regalia
- 4 reward points per ₹150
- 12 domestic + 6 international lounge visits/year
- Low forex markup 2%
- Buy-1-get-1 BookMyShow tickets
- Milestone reward points at ₹1L, ₹5L
FAQ
›Axis Atlas vs HDFC Regalia: which is better?
HDFC Regalia wins on more dimensions (6 vs 3). 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 Axis Atlas for its best categories, HDFC Regalia for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Axis Atlas: 2,500 EDGE Miles on 1 transaction within 37 days. HDFC Regalia: 2,500 reward points on first 90-day spend.