helloworld
TF Legend
I don't have any direct relationship with both cards. So, if anyone have personal experience in either of them, do update the comparison. This is a wiki post, so anyone with appropriate permissions can edit and make required changes.
Note: Redemption options high in Regalia Gold compared to Atlas. And do note above values assumed if user redeemed those vouchers (that means user ok with that redemption) or transferred those miles to those programs (that means user aware those available programs) when applying these cards.
DM for referrals / check signature.
| CATEGORY | ATLAS | REGALIA GOLD |
| Joining Fee | 5900 | 2950 (or FYF/LTF) |
| Welcome Benefit | 2.5K EDGE Miles (EM) | 2500 Voucher if Fee Paid (Net: -450) |
| Annual Fee | 5900 | 2950 (or LTF) waived if >4L Spends |
| Renewal Benefit | Upto 15K EM (based on Tier), See yearly benefit | 0 (Net: -2950) |
| Exclusions | Jewlry, Rent, Govt., Insurance, Fuel, Utilities, Wallet | Rent, Govt., Wallet |
| Travel (Airlines, Hotels and Travel EDGE) | 5 EM/100 (upto 2L) then 2 EM/100 | 4 RP/150 * (5x = Flights/BUS/MMT, 10x = Hotels, 3x = Trains) |
| Marks & Spencer, Myntra, Reliance Digital, Nykaa! | 2 EM/100 | 20 RP/150 |
| Other Spends | 2 EM/100 | 4 RP/150 |
| Yearly Benefit: | Annual + Milestone EM | Quarterly + Milestone RP/Brand vouchers (Myntra, Reliance Digital, Marriott etc.)/Smartbuy flight voucher |
| 1.5L Spends in a year | - | 1500Rs. BV (If spend in a quarter) |
| 3L Spends in a year | 0 EM + 2.5K EM = 2.5K EM | - |
| 5L Spends in a year | - | 4500Rs. (3Q) + 5000Rs. SV = 9500Rs. |
| 7.5L Spends in a year | 2.5K EM + 2.5K (3L) + 2.5K EM = 7.5 EM | 7500Rs. (5Q) + 5000Rs. SV = 12.5K Rs. |
| 15L Spends in a year | 5K EM + 2.5K (3L) + 2.5K (7.5L) + 5K EM = 15K EM | - |
| Redemption (Domestic Options): | Group A: 30K EM Limit/Year Group B: 1.2L EM Limit/Year | Gold Catelogue: 1 RP = 0.65p |
| Travel EDGE (TE) / Smartbuy (SV) | 1 EM = 1 Rs. | 1 RP = 0.50p |
| Accor, Marriott, Wyndham (Gr. A) | 1 EM = 2 Miles/Points (MP) | 1 RP = upto 0.5 MP (Accor, Wyndham) |
| Vistara, ITC, IHG (Gr. B) | 1 EM = 2 MP | 1 RP = upto 0.5 MP (IHG) |
| Products/Vouchers | - | 1 RP = upto 0.35p |
| Statement Balance | - | 1 RP = 0.20p |
| Lounge | Upto 18 Domestic, 12 International (based on Tier) | 12 Domestic, 6 International (Direct benefit) |
| Net Return: 1 EM = 1 Rs. 1 MP = 1 Rs. | High reward 5M & MP to low reward 2 EM & TE Ex: Spent entirely on Travel EDGE to earn 5M/100 and redemption to 1:2 Miles/Hotel partner (high reward case) Or Spent entirely offline at 2M/100 and redemption through Travel EDGE 1:1 (low reward case) | High reward 20 RP & Gold Catelogue to Low reward 4 RP & Direct Flight/Hotel booking (and spends 1.5L in a quarter) |
| 1.5L Spends in a year | - | 20K RP to 4K RP - 3.4K Fee (JF+AF) = 7.23% to 0.06% |
| 3L Spends in a year | 20K EM to 11K EM - 11.8K Fee (JF+AF) = 9% to -0.25% | - |
| 5L Spends in a year | - | 66.67K RP to 13.33K RP - 3.4K Fee (JF+AF) = 9.8% to 2.54% |
| 7.5L Spends in a year | 47.5K EM to 25K EM - 11.8K Fee (JF+AF) = 10.92% to 1.73% | 1L RP to 20K RP - 3.4K Fee (JF+AF) = 9.83% to 2.53% |
| 15L Spends in a year | 92.5K EM to 47.5K EM - 11.8K Fee (JF+AF) = 11.45% to 2.36% | - |
Note: Redemption options high in Regalia Gold compared to Atlas. And do note above values assumed if user redeemed those vouchers (that means user ok with that redemption) or transferred those miles to those programs (that means user aware those available programs) when applying these cards.
DM for referrals / check signature.
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