Compare the published economics of both cards. The better choice depends on where you spend and whether your rewards exceed the recurring fee.
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| Feature | Axis Bank Axis Bank Atlas Credit Card | HDFC Bank HDFC Regalia Gold Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Axis Bank | HDFC Bank |
| Network | Visa | Visa |
| Annual fee | ₹5,000 + GST per year | ₹2,500 + GST per year |
| Annual fee waiver | None recorded | ₹4,00,000 |
| Base reward rate | 2% | 0.4% |
Limits and access Check caps and everyday usability before deciding. | ||
| General monthly reward cap | No general cap | No general cap |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | 8 domestic airport lounge visits per year • 4 international airport lounge visits per year | 12 domestic airport lounge visits per year • 6 international airport lounge visits per year |
| Forex markup | 3.5% | 2% |
| Best suited to | Frequent flyers, business travelers and luxury hotel stayers spending ₹50,000+ monthly. | Salaried executives and families spending ₹40,000+ monthly with regular travel needs. |
| Main trade-off | No annual-fee waiver is published. Renewal miles and lounge allowances depend on the achieved Atlas tier; international lounge terms were marked under maintenance at review. | GainFair uses the lowest current published statement-credit value of ₹0.15 per point by default; travel and Gold Catalogue values require the matching redemption route. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
GainFair compares annual rewards after caps, fees, GST and exclusions instead of declaring one universal winner.
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