HDFC Regalia Gold vs Axis Atlas

[Manu_CK]

I tried to compare Regalia Gold and Atlas with some numbers (which is derived from my spending pattern) using Chat GPT. My prompt is the following

Can you compare HDFC Regalia Gold and Axis Atlas
- Compare the features
- Compare Exclusions
- Calculate the rewards in INR and reward percentage

My spend details are
- Total 8 lakhs a year
- Minimum 1.5 lakh spends in a calendar quarter
- Airline tickets + Hotel spend → <= 2 Lakhs
- Entertainment + Eating out → <= 1 lakhs
- Fuel → 90000
- Other spends will be → School fees, Insurance Payments, Government Utilities, Miscellaneous

• Consider Reg Gold rewards points at 0.50/-
• Consider the card renewal charges in the calculation. If the fees are waived off, consider it as 0/-
• Consider the normal calculations and ACCOR transfer scenarios both

The answer I got is a bit surprising. For the above numbers, Regalia has the upper hand on Atlas.

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4. Reward Calculation (Normal Value)​

HDFC Regalia Gold (₹0.50 / RP)​

1. Flights + Hotels via SmartBuy (5X)
   
   • Base: (₹2,00,000 ÷ ₹150) × 4 = 5,333 RP
   • 5X = 26,665 RP → Value = ₹13,333
   • (₹1,00,000 ÷ ₹150) × 4 = 2,666 RP → ₹1,333
2. Total Value (before fee) = ₹13,333 + ₹1,333 + ₹5,466 + ₹16,000 = ₹36,132
3. Fee after waiver check → Spend > ₹4L → Fee waived = ₹0
4. Final Value = ₹36,132 (Yield = 4.52%)

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Axis Atlas (₹1 / EM)​

1. Flights + Hotels (5 EM/₹100)
   
   • ₹2,00,000 ÷ ₹100 × 5 = 10,000 EM → ₹10,000
   • ₹1,00,000 ÷ ₹100 × 2 = 2,000 EM → ₹2,000
2. Total Value (before fee) = ₹10,000 + ₹2,000 + ₹8,200 + ₹5,000 = ₹25,200
3. Fee after waiver check → Spend < ₹15L → Fee = ₹5,000 + GST = ₹5,900
4. Final Value = ₹19,300 (Yield = 2.41%)

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5. Reward Calculation (Accor Transfer Scenario)​

Assumptions:

• HDFC Regalia Gold (2 RP = 1 ALL Point ≈ ₹1 → same as ₹0.50/RP)
• Axis Atlas: ₹1.80 / EM when transferred to Accor ALL (1 EM = 2 ALL points, 2 ALL points = €0.04)

HDFC Regalia Gold (₹0.50 / RP)​

• No change from normal: ₹36132 net, 4.52% yield.

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Axis Atlas (₹1.80 / EM)​

• Points from normal calculation: 25,200 EM equivalent
• Value = 25,200 × 2 × ₹1.80 = ₹90720
• Milestones (in EM) already included in above
• Fee = ₹5,900
• Final Value = ₹84820 (Yield = 10.6%)

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6. Summary Table​

Card	Normal Value	Normal Yield	Accor Value	Accor Yield
HDFC Regalia Gold	₹36,132	4.52%	₹36,132	4.52%
Axis Atlas	₹19,300	2.41%	₹84,820	10.60%

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[Aniket Sharma]

I tried to compare Regalia Gold and Atlas with some numbers (which is derived from my spending pattern) using Chat GPT. My prompt is the following

Can you compare HDFC Regalia Gold and Axis Atlas
- Compare the features
- Compare Exclusions
- Calculate the rewards in INR and reward percentage

My spend details are
- Total 8 lakhs a year
- Minimum 1.5 lakh spends in a calendar quarter
- Airline tickets + Hotel spend → <= 2 Lakhs
- Entertainment + Eating out → <= 1 lakhs
- Fuel → 90000
- Other spends will be → School fees, Insurance Payments, Government Utilities, Miscellaneous

• Consider Reg Gold rewards points at 0.50/-
• Consider the card renewal charges in the calculation. If the fees are waived off, consider it as 0/-
• Consider the normal calculations and ACCOR transfer scenarios both

The answer I got is a bit surprising. For the above numbers, Regalia beats Atlas.

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​

4. Reward Calculation (Normal Value)​

HDFC Regalia Gold (₹0.50 / RP)​

1. Flights + Hotels via SmartBuy (5X)
2. • Base: (₹2,00,000 ÷ ₹150) × 4 = 5,333 RP
   • 5X = 26,665 RP → Value = ₹13,333
3. Entertainment + Dining (Base Rate)
4. • (₹1,00,000 ÷ ₹150) × 4 = 2,666 RP → ₹1,333
5. Other Spends (Base Rate)
6. • (₹4,10,000 ÷ ₹150) × 4 = 10,933 RP → ₹5,466
7. Milestones
8. • ₹1,500 × 4 quarters = ₹6,000 vouchers
   • ₹5,000 @ ₹5L + ₹5,000 @ ₹7.5L = ₹10,000
9. Total Value (before fee) = ₹13,333 + ₹1,333 + ₹5,466 + ₹16,000 = ₹36,132
10. Fee after waiver check → Spend > ₹4L → Fee waived = ₹0
11. Final Value = ₹36,132 (Yield = 4.52%)

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Axis Atlas (₹1 / EM)​

1. Flights + Hotels (5 EM/₹100)
2. • ₹2,00,000 ÷ ₹100 × 5 = 10,000 EM → ₹10,000
3. Entertainment + Dining (Base 2 EM/₹100)
4. • ₹1,00,000 ÷ ₹100 × 2 = 2,000 EM → ₹2,000
5. Other Spends (Base Rate)
6. • ₹4,10,000 ÷ ₹100 × 2 = 8,200 EM → ₹8,200
7. Milestones
8. • ₹3L spend → 2,500 EM = ₹2,500
   • ₹7.5L spend → 2,500 EM = ₹2,500
   • Total = ₹5,000
9. Total Value (before fee) = ₹10,000 + ₹2,000 + ₹8,200 + ₹5,000 = ₹25,200
10. Fee after waiver check → Spend < ₹15L → Fee = ₹5,000 + GST = ₹5,900
11. Final Value = ₹19,300 (Yield = 2.41%)

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5. Reward Calculation (Accor Transfer Scenario)​

Assumptions:

• HDFC Regalia Gold: ₹0.80 / RP when transferred to Accor ALL
• Axis Atlas: ₹1.80 / EM when transferred to Accor ALL (1 EM = 2 ALL points, 2 ALL points = €0.04)

HDFC Regalia Gold (₹0.80 / RP)​

• Points from normal calculation: 36,265 RP equivalent
• Value = 36,265 × ₹0.80 = ₹29,012 (points only)
• Milestones = ₹16,000 vouchers (same as before)
• Total = ₹45,012 → Fee waived
• Final Value = ₹57,813 (Yield = 7.22%)

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Axis Atlas (₹1.80 / EM)​

• Points from normal calculation: 20,200 EM equivalent
• Value = 20,200 × ₹1.80 = ₹36,360 (points only)
• Milestones (in EM) already included in above
• Fee = ₹5,900
• Final Value = ₹39,460 (Yield = 4.93%)

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6. Summary Table​

Card	Normal Value	Normal Yield	Accor Value	Accor Yield
HDFC Regalia Gold	₹36,132	4.52%	₹57,813	7.22%
Axis Atlas	₹19,300	2.41%	₹39,460	4.93%

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Ideally on the Accor transfer, Atlas should have had the upper hand. Am I going wrong somewhere?

Attaching the details along with this post.

Bro change black font color, black on black isn't visible

 

[HumorSimpson]

Bro change black font color, black on black isn't visible

Seems another @D₹V (Da₹k Version) user.

 

[Amit_1]

Seems another @D₹V (Da₹k Version) user.

Same here ..

 

[Manu_CK]

Changed the font color

 

[Manu_CK]

Detailed Comparison → with and without Accor

Verdict
☼ HDFC Regalia Gold wins in raw returns hands down
☼ Axis Atlas wins in case of Accor conversions
☼ HDFC Regalia Gold's milestones are easier to achieve because of lesser exclusions
☼ The entire game of Atlas is risky because it is based on one relation and one equation i.e., 1:2 conversion rate. As Axis is unpredictable this can get devalued anytime. The day it get devalued, Atlas will be rendered useless.

Edit on 8/27/2025
One thing that I missed in the calculations. Reg Gold gives a ₹ 300/- Uber voucher for every ticket (max two tickets for a quarter) that you purchase through SmartBuy. This increases the raw returns of Regalia Gold

 

[hellowo₹ld]

Thread 'AXIS Atlas vs HDFC Regalia Gold vs AXIS Horizon vs HSBC TravelOne'

May 11, 2024

This is a wiki post, so anyone with appropriate permissions can edit and make necessary changes.

General Note:​

Redemption calculations are assumptions for illustrative purposes and may vary. Please confirm specific terms directly with card issuers.

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Terminology:​

• EM: Edge Miles (Axis Rewards)
• RP: Reward Points (HDFC Rewards)
• FYF: First Year Free
• JF: Joining Fee
• LTF: Lifetime Free
• AF: Annual Fee
• BV: Brand Vouchers (e.g., Regalia Gold Milestone Benefit)
• SFV: SmartBuy Flight Voucher...

• hellowo₹ld
• Replies: 74
• Forum: Credit Card Comparison

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