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    Axis Atlas vs. HDFC Regalia Gold vs. ICICI Emeralde Private Metal

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    axis-atlas

    Axis Atlas

    4

    Highlights

    • Good Welcome Benefit
    • Accelerated Travel Rewards
    • Lounge Access
    • Good Redemption Ratio
    • Tiered Benefits
    hdfc-regalia-gold

    HDFC Regalia Gold

    4

    Highlights

    • Accelerated Rewards on Partner Brands
    • Generous Lounge Access Program
    • Attractive Milestone Rewards
    • Solid Base Reward Rate
    • Valuable Welcome Package
    icici-emeralde-private

    ICICI Emeralde Private Metal

    4.8

    Highlights

    • Generous Welcome Package
    • High Reward Rate
    • Unlimited Lounge Access
    • Premium Lifestyle Perks
    • Comprehensive Travel & Other Benefits

    Quick Comparison

    FeatureAxis Atlas Credit CardHDFC Regalia Gold Credit CardICICI Emeralde Private Metal Credit Card
    Annual Fee₹5K + GST
    First year free
    		₹2.5K + GST
    First year free
    		₹12.5K + GST
    First year free
    Joining Fee₹5K + GST₹2.5K + GST₹12.5K + GST
    Reward Rate2% 5%2.67% 26.67%3% 36%
    Intro Offers
    • 2.5K Edge Miles
    • Swiggy One Membership
    • MMTBLACK Membership
    • +1 more
    • 12.5K ICICI Bank Reward Points
    • Taj Epicure Membership Membership
    • +1 more
    Lounge Access
    Domestic:Tiered access
    • Silver: 8 visits/year
    • Gold: 12 visits/year
    • Platinum: 18 visits/year
    International:Tiered access
    • Silver: 4 visits/year
    • Gold: 6 visits/year
    • Platinum: 12 visits/year
    Domestic:12 visits/year
    International:6 visits/year
    Domestic:Unlimited
    International:Unlimited
    Milestone Bonus
    • Milestone 1
      2,500 points
      On ₹300,000 spend per 1 year
    • Milestone 2
      2,500 points
      On ₹750,000 spend per 1 year
    • Milestone 3
      5,000 points
      On ₹1,500,000 spend per 1 year
    • Quarterly Spend Benefit
      ₹1,500 Quarterly Voucher
      On ₹150,000 spend per 1 quarter
    • Annual Flight Voucher (Tier 1)
      ₹5,000 Flight Voucher
      On ₹500,000 spend per 1 year
    • Annual Flight Voucher (Tier 2)
      ₹5,000 Additional Flight Voucher
      On ₹750,000 spend per 1 year
    • Annual Fee Waiver
      ₹2,500 Annual Fee Waiver
      On ₹400,000 spend per 1 year
    • Milestone Benefit: EaseMyTrip Voucher 1
      ₹3,000 EaseMyTrip Voucher
      On ₹400,000 spend per 1 year
    • Milestone Benefit: EaseMyTrip Voucher 2
      ₹3,000 EaseMyTrip Voucher
      On ₹800,000 spend per 1 year
    • Annual Fee Waiver
      ₹12,499 Annual Fee Waiver
      On ₹1,000,000 spend per 1 year
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