Vyaya
Side-by-Side Comparison|Updated March 2026

HDFC Bank Regalia First vs Axis Bank Atlas Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

HDFC Bank

HDFC Bank Regalia First

5.5/10
Annual Fee₹1,000
Base Rewards0.6%
NetworkVisa
View Full Details

Axis Bank

Axis Bank Atlas Credit Card

8.8/10
Annual Fee₹5,000
Base Rewards2%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureHDFC Bank Regalia FirstAxis Bank Atlas Credit Card
Annual Fee₹1,000₹5,000
Joining Fee₹1,000₹5,000
Fee Waiver Spend₹1,00,000N/A
Base Reward Rate0.6%2%
Reward CurrencyReward PointsEDGE Miles
NetworkVisaVisa
Editor Rating5.5/108.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Regalia First

No accelerated rewards listed

Axis Bank Atlas Credit Card

  • 5% on Direct Airlines — 10000 pts/month
  • 5% on Direct Hotels — 10000 pts/month
  • 5% on Travel EDGE Portal — 10000 pts/month

Pros & Cons

HDFC Bank Regalia First

Pros

  • Low foreign currency markup fee of 2% compared to standard 3.5%
  • Reward points can be redeemed for flights and hotels at a value of ₹0.30 per point
  • Comprehensive insurance cover including ₹50 Lakh Air Accident Death Cover
  • Milestone bonus of up to 7,500 Reward Points on annual spends of ₹6 Lakhs

Cons

  • Complimentary airport lounge access (domestic and international) has been discontinued since Dec 2023
  • Base reward rate reduced to 3 RP per ₹150 spent from Sep 2024
  • Card is no longer available for new applications

Axis Bank Atlas Credit Card

Pros

  • High reward rate of 5 EDGE Miles per ₹100 on direct airline and hotel spends.
  • Flexible 1:2 transfer ratio to major airline and hotel partners like Accor, ITC, and United.
  • Unique tier-based system (Silver, Gold, Platinum) that rewards higher annual spending with more miles and lounge access.
  • Lounge access is sharable with guests, a rare feature in the Indian market.

Cons

  • High foreign currency markup of 3.5% despite being a travel-focused card.
  • Accelerated rewards on travel are capped at ₹2 Lakhs spend per month.
  • Excludes common categories like fuel, rent, insurance, and utilities from reward earning.

Our Verdict

Axis Bank Atlas Credit Card edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Regalia First could be the better pick if its specific category strengths match your spending habits.

Choose HDFC Bank Regalia First if

Existing users who spend moderately and want a low-fee card with decent travel redemption value.

Choose Axis Bank Atlas Credit Card if

Excellent for those who book directly with airlines and hotels and value flexible point transfers.

Frequently Asked Questions

Which is better: HDFC Bank Regalia First or Axis Bank Atlas Credit Card?
Axis Bank Atlas Credit Card edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Regalia First could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank Regalia First and Axis Bank Atlas Credit Card?
HDFC Bank Regalia First has an annual fee of ₹1,000, while Axis Bank Atlas Credit Card has an annual fee of ₹5,000. HDFC Bank Regalia First offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: HDFC Bank Regalia First or Axis Bank Atlas Credit Card?
HDFC Bank Regalia First offers a base reward rate of 0.6%. Axis Bank Atlas Credit Card offers 2% base rewards with bonuses on Direct Airlines and Direct Hotels. The better choice depends on your primary spending categories.
Can I have both HDFC Bank Regalia First and Axis Bank Atlas Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Regalia First and Axis Bank Atlas Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Regalia First or Axis Bank Atlas Credit Card?
For beginners, HDFC Bank Regalia First may be more approachable with a lower annual fee of ₹1,000. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

HDFC Bank Regalia First vs HDFC Bank Millennia Credit CardAxis Bank Atlas Credit Card vs HDFC Bank Millennia Credit CardHDFC Bank Regalia First vs SBI Card PRIMEAxis Bank Atlas Credit Card vs SBI Card PRIMEHDFC Bank Regalia First vs Axis Bank Magnus Credit CardAxis Bank Atlas Credit Card vs Axis Bank Magnus Credit Card

Explore More

HDFC Bank Regalia First Full ReviewAxis Bank Atlas Credit Card Full ReviewAll HDFC Bank CardsAll Axis Bank CardsBrowse All Credit CardsCredit Card Guides & Tips