Axis Bank Atlas Credit Card vs HDFC Bank Regalia Gold Credit Card
Compare Axis Bank Atlas Credit Card, HDFC Bank Regalia Gold Credit Card side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
Axis Bank •••• •••• •••• •••• Credit Card Compare Axis Bank Atlas Credit Card | HDFC Bank •••• •••• •••• •••• Credit Card Compare HDFC Bank Regalia Gold Credit Card |
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Card details
CardIQ
How we calculate scores| Overall | 49Fair Highest | 46Fair |
|---|---|---|
| Airport lounge | 46/100Highest | 45/100 |
| Rewards | 48/100Highest | 36/100 |
| Travel | 53/100 | 58/100Highest |
The basics
| Card tier | Not published | Not published |
|---|---|---|
| Card type | Not published | Not published |
| Credit rating | Not published | Not published |
| Rewards program | Axis Bank EDGE Miles | HDFC Bank Reward Points |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | 18 years old | 21 years old |
|---|---|---|
| Minimum income | ₹12,00,000 p.a. | ₹12,00,000 p.a. |
| Residency | Resident of India; primary cardholder aged 18 to 70; salaried with net annual income of ₹12 lakh and above or self-employed with net annual income of ₹15 lakh and above | Indian nationality; salaried aged 21 to 60 (net monthly income above ₹1,00,000 government, above ₹1,50,000 non-government); self-employed aged 21 to 65 (ITR above ₹18 lakh a year) |
| Joint application | Not published | Not published |
| Temporary residents | Not published | Not published |
| Instant approval | Not published | Not published |
Repayments
| Interest-free period | Up to 50 days | Up to 50 days |
|---|---|---|
| Minimum repayment | Sum of all instalments, fees, interest and finance charges, taxes, any amount over the credit limit and 2% of the remaining balance outstanding, plus any unpaid minimum due from earlier statements; at least ₹100, or the total due if that is below ₹100 (Axis Bank MITC) | 5% of (retail spends + cash advance + finance charge) plus GST, EMI amounts, 100% of fees and charges and any over-limit amount; where 5% is less than the finance charge, 100% of the finance charge plus 5% of retail spends and cash advance (HDFC Bank MITC, from June 2025) |
Rates & fees
Ongoing interest rates
| Purchases | 55.55% p.a. | 45.00% p.a.Lowest |
|---|---|---|
| Cash advances | 55.55% p.a. | 45.00% p.a.Lowest |
Fees
| Annual fee | ₹5,000 p.a. | ₹2,500 p.a.Lowest |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | ₹0 | ₹0 |
| Cash advance fee | 2.5% of the amount | 2.5% of the amount |
| Foreign transaction fee | 3.5% | 2%Lowest |
| Late payment fee | ₹1,300 | ₹1,300 |
Rewards
How many points could you earn?
Enter your monthly spend to see estimated annual points for each card below.
Earn rate
| Everyday spend | 2 EDGE Miles per ₹100 | 5 Reward Points per ₹200 |
|---|---|---|
| Bonus categories | 5 EDGE Miles per ₹100 in bonus categories, up to ₹2,00,000 per month | None |
| Other purchases | None | None |
| Overseas spend | None | None |
| Reduced rate above monthly cap | 2 EDGE Miles per ₹100 | None |
| Points cap | Uncapped | Maximum 50,000 points per month |
| Points expiry | — | Valid for 2 years from the date of accumulation (reward points terms PDF) |
| Estimated annual points | 20,500 ptsWorth ₹20,500 | 22,500 ptsWorth ₹11,250Highest |
Sign-up bonus
| Sign-up bonus | 2,500 points | — |
|---|---|---|
| Bonus spend required | 1 transaction within 37 days of card issuance (cards sourced from 20 April 2024 onwards; paid cards only; 2,500 EDGE Miles, 1 EDGE Mile = ₹1) | — |
Related comparisons
Sources
- Credit Card Compare
- How CardIQ scores cards