Side-by-side · honest numbers
Axis Bank Atlas Credit Card vs HDFC Regalia Gold vs HSBC TravelOne Credit Card
Honest side-by-side comparison of Axis Bank Atlas Credit Card, HDFC Regalia Gold, HSBC TravelOne Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, Axis Bank Atlas Credit Card ranks first for estimated net annual value — ahead of HDFC Regalia Gold by about ₹1,246/yr.
| Feature | Axis Bank Atlas Credit Card Axis Bank | HDFC Regalia Gold HDFC Bank | HSBC TravelOne Credit Card HSBC |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | ₹2,500 | ₹4,999 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹4,00,000/yr spend | ₹12,00,000/yr |
| Min income | ₹50,000/mo | ₹50,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹6,802/yr | ₹5,556/yr | -₹4,549/yr |
| Travel | 5 pts per ₹150 spend → ₹67/mo (₹800/yr) | — | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) |
| Top reward rate | 5 EDGE Miles/₹150 | 4 RP/₹150 | 3X points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Up to 18 domestic + 12 international visits/year · Visit count scales with annual card spend tiers — check Axis Atlas milestones | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) | Complimentary domestic lounge access · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet · Insurance |
| Bonuses | |||
| Signup bonus | ₹5,000 | ₹2,500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Regalia Gold has the lowest annual fee at ₹2,500.
- Which card earns more on moderate spend?
- Axis Bank Atlas Credit Card leads with an estimated ₹6,802/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank Atlas Credit Card lists a minimum monthly income of ₹50,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Axis Bank Atlas Credit Card
Axis Bank
HDFC Regalia Gold
HDFC Bank
HSBC TravelOne Credit Card
HSBC
Your adjusted comparison
| Feature | Axis BankPlatinum Axis Bank Atlas Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Atlas Credit Card Top reward5 EDGE Miles/₹150 Annual fee₹5,000 Min income₹50,000/mo Tap to flip back Axis Bank Atlas Credit Card Axis Bank | HDFC BankPlatinum HDFC Regalia Gold •••• •••• •••• 4242 Quick facts HDFC Regalia Gold Top reward4 RP/₹150 Annual fee₹2,500 Min income₹50,000/mo Tap to flip back HDFC Regalia Gold HDFC Bank | HSBCPlatinum HSBC TravelOne Credit Card •••• •••• •••• 4242 Quick facts HSBC TravelOne Credit Card Top reward3X points Annual fee₹4,999 Min income₹75,000/mo Tap to flip back HSBC TravelOne Credit Card HSBC |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | ₹2,500 | ₹4,999 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹4,00,000/yr spend | ₹12,00,000/yr |
| Min income | ₹50,000/mo | ₹50,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹6,802/yr | ₹5,556/yr | -₹4,549/yr |
| Travel | 5 pts per ₹150 spend → ₹67/mo (₹800/yr) | — | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) |
| Top reward rate | 5 EDGE Miles/₹150 | 4 RP/₹150 | 3X points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Up to 18 domestic + 12 international visits/year · Visit count scales with annual card spend tiers — check Axis Atlas milestones | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) | Complimentary domestic lounge access · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet · Insurance |
| Bonuses | |||
| Signup bonus | ₹5,000 | ₹2,500 | — |
Axis Bank Atlas Credit Card details →HDFC Regalia Gold details →HSBC TravelOne Credit Card details →
Share this comparison
https://cardhungry.com/in/en/compare/axis-atlas-vs-hdfc-regalia-gold-vs-hsbc-traveloneMore Axis Bank Atlas Credit Card comparisons
- Axis Bank Atlas Credit Card vs 811 Dream Different Credit Card
- Axis Bank Atlas Credit Card vs AU Altura Credit Card
- Axis Bank Atlas Credit Card vs AU Zenith Credit Card
- Axis Bank Atlas Credit Card vs American Express Gold Card
- Axis Bank Atlas Credit Card vs American Express Platinum Travel Card
- Axis Bank Atlas Credit Card vs American Express SmartEarn Credit Card
- Axis Bank Atlas Credit Card vs Amex Membership Rewards CC
- Axis Bank Atlas Credit Card vs Axis Bank ACE Credit Card
- Axis Bank Atlas Credit Card vs Axis Bank Airtel Credit Card
- Axis Bank Atlas Credit Card vs Axis Bank Flipkart Credit Card
- Axis Bank Atlas Credit Card vs Axis Bank Magnus Credit Card
- Axis Bank Atlas Credit Card vs Axis Bank My Zone Credit Card