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

helloworld · 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.

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 (e.g., Regalia Gold Milestone Benefit)
3Q/5Q: Quarters (for Regalia Gold milestones)
TE: Travel Edge (Axis Travel Booking Platform)
MP: Mile Point (Axis Redemption Value for EM)

Joining Fee and Benefits:

Category	Atlas	Horizon	Regalia Gold	TravelOne
Joining Fee	₹5900	₹3540	₹2950 (or FYF/LTF)	₹5900
Welcome Benefit	2.5K EM	5K EM	₹2500 Voucher (if fee paid)	₹1000 Cashback + 3K RP (if spent 1L in 90 days)
Annual Fee	₹5900	₹3540	₹2950 (or waived >₹4L spends)	₹5900 (or waived >₹8L spends)
Renewal Benefit	Up to 5K EM (Tier based) 0 (Silver Tier) 2.5K EM (Gold Tier) 5K EM (Platinum Tier)	1.5K EM	None (but waived for >₹4L)	None (but waived for >₹8L)

Spend Rewards:

Category	Atlas	Horizon	Regalia Gold	TravelOne
Travel (Airlines, Hotels and Travel EDGE)	5 EM/₹100	5 EM/₹100	4 RP/₹150 (higher via SmartBuy)	4 RP/₹100 (incl. travel aggregators)
Marks & Spencer, Myntra, Reliance Digital, Nykaa!	2 EM/₹100	2 EM/₹100	20 RP/₹150	2 RP/₹100
General	2 EM/₹100	2 EM/₹100	4 RP/₹150	2 RP/₹100

Milestone Benefits:

Cumulative Spends	Atlas	Horizon	Regalia Gold	TravelOne
1.5L Spends/Year	-	-	₹1500 BV (1Q)	-
3L Spends/Year	2.5K EM	-	-	-
5L Spends/Year	-	-	₹4500 BV (3Q) + ₹5000 SFV = ₹9500	-
7.5L Spends/Year	5K EM (Gold Tier)	-	₹ 7500 BV (5Q) + ₹ 5000 SFV = ₹12.5K	-
12L Spends/Year	-	-	-	10K RP
15L Spends/Year	10K EM (Platinum Tier)	-	-	-

Redemption Options:

Domestic Options	Atlas	Horizon	Regalia Gold	TravelOne
TravelEdge/SmartBuy	1 EM = ₹1	1 EM = ₹1	1 RP = ₹0.50p	-
Accor, Marriott, Wyndham (Gr. A)	2 EM = 1 MP (Marriott) 1 EM = 2 MP (Others) Group A: 30K EM Limit/Year Group B: 1.2L EM Limit/Year	1 EM = 1 MP Group A: 1L EM Limit/Year Group B: 4L EM Limit/Year	1 RP = up to 0.5 MP (Accor, Wyndham)	1 RP = ₹1
AirIndia, ITC, IHG (Gr. B)	1 EM = 2 MP	1 EM = 1 MP	1 RP = upto 0.5 MP (IHG)	1 RP = ₹1
Products/Vouchers	1 EM = ₹0.20p	1 EM = ₹0.20p	1 RP = upto ₹ 0.35p Gold Catelogue: 1 RP = 0.65p	-
Statement Credit	-	-	1 RP = ₹0.20p	-

Lounge Access:

Location	Atlas	Horizon	Regalia Gold	TravelOne
Domestic	8 (Silver), 12 (Gold), 18 (Platinum)	32 visits (VISA), 24 visits (MC)	12 visits	6 visits
International	4 (Silver), 6 (Gold), 12 (Platinum)	8 visits	6 visits	4 visits

Exclusions:

Atlas: Jewlry, Rent, Govt., Insurance, Fuel, Utilities, Wallet
Horizon: Rent, Govt., Insurance, Fuel, Utilities, Wallet, Education, Transportation & Toll
Regalia Gold: Rent, Govt., Wallet
TravelOne: Jewlry, Rent, Govt., Insurance, Fuel, Utilities, Wallet, Education

Net Return:

Ranges in percentage (e.g., 9.4% to -0.27%) explain best-to-worst-case returns (possible return on your spending after factoring in joining fees, and milestone bonuses for specific spending levels).

Left Value (e.g., 9.4%)
- This is the maximum reward rate achievable through optimal usage, like earning on Travel Edge purchases and redeeming at a high value (e.g., 1 mile = 2 INR). This rate takes effort but can be reached with strategic spending.
Right Value (e.g., -0.27%)
- This is the minimum achievable rate through regular spending and basic redemption (e.g., 1 mile = 1 INR). This is straightforward and possible for all cardholders.

So, for any given spending amount, you can expect a reward rate between these two values. The lower end is your minimum return, while the upper end is achievable with careful planning.

= Spend Rewards + Milestone Benefits + Welcome Benefits - Fee / Spends

Cumulative Spends	Atlas (1 EM = ₹2 to ₹1)	Horizon (1 EM = ₹1)	Regalia Gold (1 RP = ₹0.50p)	TravelOne (1 RP = ₹1)
1.5L Spends/Year	10K EM to 5.5K EM - 5.9K Fee (JF) = 9.4% to -0.27%	12.5K to 8K EM - 3540 Fee (JF) = 5.97% to 2.97%	20K RP to 4K RP - 450 Fee (JF) = 7.36% to 2.03%	6K RP to 4K RP - 1900 Fee (JF) = 2.73% to 1.4%
3L Spends/Year	20K EM to 11K EM - 5.9K Fee (JF) = 11.36% to 1.7%	20K to 11K - 3540 Fee (JF) = 5.48% to 2.48%	40K RP to 8K RP - 450 Fee (JF) = 7.01% to 1.68%	12K RP to 6K RP - 1900 Fee (JF) = 3.36% to 1.36%
5L Spends/Year	30K EM to 15K EM - 5.9K Fee (JF) = 10.82% to 1.82%	30K to 15K - 3540 Fee (JF) = 5.29% to 2.29%	66.67K RP to 13.33K RP - 450 Fee (JF) = 8.47% to 3.14%	20K RP to 10K RP - 1900 Fee (JF) = 3.62% to 1.62%
7.5L Spends/Year	45K EM to 22.5K EM - 5.9K Fee (JF) = 11.21% to 2.21%	-	1L RP to 20K RP - 450 Fee (JF) = 8.27% to 2.94%	-
12L Spends/Year	-	-	-	58K RP to 34K RP - 1900 Fee (JF) = 4.67% to 2.67%
15L Spends/Year	87.5K EM to 42.5K EM - 5.9K Fee (JF) = 11.27% to 2.44%	-	-	-

Cumulative Spends	Atlas	Horizon	Regalia Gold	TravelOne
1.5L Spends in a year	10K EM to 5.5K EM - 11.8K Fee (JF+AF) = 5.4% to -4.2%	14K to 9.5K EM - 7080 Fee (JF+AF) = 4.61% to 1.61%	20K RP to 4K RP - 3.4K Fee (JF+AF) = 7.23% to 0.06%	6K RP to 4K RP - 7800 Fee (JF+AF) = -1.2% to -2.53%
3L Spends in a year	20K EM to 11K EM - 11.8K Fee (JF+AF) = 9% to -0.25%	21.5K to 12.5K - 7080 Fee (JF+AF) = 4.8% to 1.8%	-	12K RP to 6K RP - 7800 Fee (JF+AF) = 1.93% to -0.6%
5L Spends in a year	30K EM to 15K EM - 11.8K Fee (JF+AF) = 9.64% to 0.64%	31.5K to 16.5K - 7080 Fee (JF+AF) = 4.88% to 1.88%	66.67K RP to 13.33K RP - 3.4K Fee (JF+AF) = 9.8% to 2.54%	20K RP to 10K RP - 7800 Fee (JF+AF) = 2.56% to 0.44%
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%	-
12L Spends in a year	-	-	-	58K RP to 34K RP - 1900 Fee (JF+AF) = 4.67% to 2.67%
15L Spends in a year	92.5K EM to 47.5K EM - 11.8K Fee (JF+AF) = 11.45% to 2.36%	-	-	-

Recommendations:

Horizon: Best for generic spends, especially below ₹3L annually.
Atlas: Optimal for heavy spenders and best when redeeming through 1:2 MP for travel/hotel partnerships.
Regalia Gold: Balanced choice for spending up to ₹7.5L with milestone benefits. Redemptions available for non-travel too.
TravelOne: Horizon better compared to this card.

drsel · May 11, 2024

Congratulations very well done!
this is the first ever comparison between these two cards available anywhere on the net

helloworld · May 11, 2024

drsel said:
Congratulations very well done!
this is the first ever comparison between these two cards available anywhere on the net

Your better with atlas, check once and let me know if any changes.

drsel · May 11, 2024

helloworld said:
Your better with atlas, check once and let me know if any changes.

Do all HDFC cards give points for utilities MCC 4900?

helloworld · May 13, 2024

drsel said:
Do all HDFC cards give points for utilities MCC 4900?

afaik, yes. no new updates in that category from HDFC.

BVC · Jul 22, 2024

@helloworld Good thread.

Even though it’s a Wiki Post, I suggest you to add Fuel Surcharge Waiver option, as Waiver is not applicable for Regalia Gold.

helloworld · Jul 24, 2024

Updated Horizon calculations.

ujjwal2024 · Aug 13, 2024

helloworld said:
This is a wiki post, so anyone with appropriate permissions can edit and make required changes.

Redemption calculations are complicated, so take it for assumption purpose.

CATEGORY ATLAS HORIZON REGALIA GOLD
Joining Fee 5900 3540 2950 (or FYF/LTF)
Welcome Benefit 2.5K EDGE Miles (EM) #1 5K EM 2500 Voucher if Fee Paid (Net: -450)
Annual Fee 5900 3540 2950 (or LTF) waived if >4L Spends
Renewal Benefit Upto 15K EM (based on Tier)*

*See yearly benefit below 1.5K EM 0 (Net: -2950)
Exclusions Jewlry, Rent, Govt., Insurance, Fuel, Utilities, Wallet Utility, Insurance, Education, Govt. Spends, Wallet, Rent, Fuel, Transportation & Toll Rent, Govt., Wallet
Travel (Airlines, Hotels and Travel EDGE) 5 EM/100 (upto 2L) then 2 EM/100 5 EM/100 4 RP/150 * (5x = Flights/BUS/MMT, 10x = Hotels, 3x = Trains)
Marks & Spencer, Myntra, Reliance Digital, Nykaa! 2 EM/100 2 EM/100 20 RP/150
Other Spends 2 EM/100 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 (Gold) - 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 (Platinum) - -
Redemption (Domestic Options): Group A: 30K EM Limit/Year
Group B: 1.2L EM Limit/Year Group A: 1L EM Limit/Year
Group B: 4L EM Limit/Year Gold Catelogue: 1 RP = 0.65p
Travel EDGE (TE) / Smartbuy (SV) 1 EM = 1 Rs. 1 EM = 1 Rs. 1 RP = 0.50p
Accor, Marriott, Wyndham (Gr. A) 1 EM = 2 Miles/Points (MP) except Marriott
2 EM = 1 MP for Marriott 1 EM = 1 MP 1 RP = upto 0.5 MP (Accor, Wyndham)
Vistara, ITC, IHG (Gr. B) 1 EM = 2 MP 1 EM = 1 MP 1 RP = upto 0.5 MP (IHG)
Products/Vouchers - 1 EM = upto 0.30p 1 RP = upto 0.35p
Statement Balance - - 1 RP = 0.20p
Lounge Upto 18 Domestic, 12 International (based on Tier) Upto 32 Domestic, 8 International 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 5M & MP to low reward 2 EM & TE

Ex: Spent entirely on Travel EDGE to earn 5M/100 and redemption to 1:1 Miles/Hotel partner (high reward case)

Or Spent entirely offline at 2M/100 and redemption through Travel EDGE 1:1 (low reward case)

*without Joining bonus/fee (will include once card official to everyone) 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 10K EM to 5.5K EM - 11.8K Fee (JF+AF)
= 5.4% to -4.2% 9K to 4.5K EM - 3540 Fee (AF)
= 3.64% to 0.64% 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% 16.5K to 7.5K - 3540 Fee (AF)
= 4.3% to 1.32% -
5L Spends in a year 30K EM to 15K EM - 11.8K Fee (JF+AF)
= 9.64% to 0.64% 26.5K to 11.5K - 3540 Fee (AF)
= 4.6% to 1.6% 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/Horizon. 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.

It seems no mention about fuel surcharge waiver in HDFC Regalia Gold. So, double check before using card but milestone benefits applicable on fuel spends too.

DM for referrals / check signature.

#1
2500 EDGE Miles shall be credited to cardholders’ EDGE Miles account upon successful completion of 1 transaction on the card within 37 days from the date of card issuance Note: This will be applicable for all cards sourced from 20th April 2024 onwards.

So regalia gold is best for Smartbuy and for general offline and travel spend, Atlas is better....Ok got it...I have regalia gold LTF and applied for atlas but the status is not moving at all

helloworld · Aug 13, 2024

ujjwal2024 said:
So regalia gold is best for Smartbuy and for general offline and travel spend, Atlas is better....Ok got it...I have regalia gold LTF and applied for atlas but the status is not moving at all

atlas has higher transfer options. gold has higher redemption options.

doctoramar · Aug 30, 2024

helloworld said:
This is a wiki post, so anyone with appropriate permissions can edit and make required changes.

Redemption calculations are complicated, so take it for assumption purpose.

CATEGORY ATLAS HORIZON REGALIA GOLD
Joining Fee 5900 3540 2950 (or FYF/LTF)
Welcome Benefit 2.5K EDGE Miles (EM) #1 5K EM 2500 Voucher if Fee Paid (Net: -450)
Annual Fee 5900 3540 2950 (or LTF) waived if >4L Spends
Renewal Benefit Upto 15K EM (based on Tier)*

*See yearly benefit below 1.5K EM 0 (Net: -2950)
Exclusions Jewlry, Rent, Govt., Insurance, Fuel, Utilities, Wallet Utility, Insurance, Education, Govt. Spends, Wallet, Rent, Fuel, Transportation & Toll Rent, Govt., Wallet
Travel (Airlines, Hotels and Travel EDGE) 5 EM/100 (upto 2L) then 2 EM/100 5 EM/100 4 RP/150 * (5x = Flights/BUS/MMT, 10x = Hotels, 3x = Trains)
Marks & Spencer, Myntra, Reliance Digital, Nykaa! 2 EM/100 2 EM/100 20 RP/150
Other Spends 2 EM/100 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 (Gold) - 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 (Platinum) - -
Redemption (Domestic Options): Group A: 30K EM Limit/Year
Group B: 1.2L EM Limit/Year Group A: 1L EM Limit/Year
Group B: 4L EM Limit/Year Gold Catelogue: 1 RP = 0.65p
Travel EDGE (TE) / Smartbuy (SV) 1 EM = 1 Rs. 1 EM = 1 Rs. 1 RP = 0.50p
Accor, Marriott, Wyndham (Gr. A) 1 EM = 2 Miles/Points (MP) except Marriott
2 EM = 1 MP for Marriott 1 EM = 1 MP 1 RP = upto 0.5 MP (Accor, Wyndham)
Vistara, ITC, IHG (Gr. B) 1 EM = 2 MP 1 EM = 1 MP 1 RP = upto 0.5 MP (IHG)
Products/Vouchers - 1 EM = upto 0.30p 1 RP = upto 0.35p
Statement Balance - - 1 RP = 0.20p
Lounge Upto 18 Domestic, 12 International (based on Tier) Upto 32 Domestic, 8 International 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 5M & MP to low reward 2 EM & TE

Ex: Spent entirely on Travel EDGE to earn 5M/100 and redemption to 1:1 Miles/Hotel partner (high reward case)

Or Spent entirely offline at 2M/100 and redemption through Travel EDGE 1:1 (low reward case)

*without Joining bonus/fee (will include once card official to everyone) 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 10K EM to 5.5K EM - 11.8K Fee (JF+AF)
= 5.4% to -4.2% 9K to 4.5K EM - 3540 Fee (AF)
= 3.64% to 0.64% 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% 16.5K to 7.5K - 3540 Fee (AF)
= 4.3% to 1.32% -
5L Spends in a year 30K EM to 15K EM - 11.8K Fee (JF+AF)
= 9.64% to 0.64% 26.5K to 11.5K - 3540 Fee (AF)
= 4.6% to 1.6% 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/Horizon. 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.

It seems no mention about fuel surcharge waiver in HDFC Regalia Gold. So, double check before using card but milestone benefits applicable on fuel spends too.

DM for referrals / check signature.

#1
2500 EDGE Miles shall be credited to cardholders’ EDGE Miles account upon successful completion of 1 transaction on the card within 37 days from the date of card issuance Note: This will be applicable for all cards sourced from 20th April 2024 onwards.

Hi! Is 5x i.e 20 points for 150 spent valid on flight booking only on smartbuy or other portals also.

ujjwal2024 · Aug 30, 2024

doctoramar said:
Hi! Is 5x i.e 20 points for 150 spent valid on flight booking only on smartbuy or other portals also.

only on smartbuy

liza10o · Sep 11, 2024

On atlas , if i have to redeem points for non partner airlines like indigo, then for me 1rp = 1rs during booking flight, and is there a limit on how many rp can be used in 1 txn or % of total txn that can be redeemed using rp like we have in hdfc?

helloworld · Sep 11, 2024

liza10o said:
On atlas , if i have to redeem points for non partner airlines like indigo, then for me 1rp = 1rs during booking flight, and is there a limit on how many rp can be used in 1 txn or % of total txn that can be redeemed using rp like we have in hdfc?

min. 300, max -- never tested. Also, its 100% as of today but no guarantee after month.

@drsel any idea about max limit for direct booking?

liza10o · Sep 11, 2024

helloworld said:
min. 300, max -- never tested. Also, its 100% as of today but no guarantee after month.

@drsel any idea about max limit for direct booking?

But for indigo it seems that hdfc is a better option:

Say for a 5000 spent on flight booking:
Atlas:
5,000÷100×5 = 250 rp = 250 rs
Hdfc:

5,000÷150=33.3
33×4×5×0.5=330 rs

liza10o · Sep 11, 2024

Is 1 mp = 1 rs? Or is it partner specific
If parter specific, then it's good to add that list as well

helloworld · Sep 11, 2024

liza10o said:
Is 1 mp = 1 rs? Or is it partner specific
If parter specific, then it's good to add that list as well

1MP = 1 Rs. if booked revenue tickets through travel edge.

helloworld said:
1 EM = 2 Miles/Points (MP) except Marriott
2 EM = 1 MP for Marriott

helloworld said:
1 EM = 2 MP

for partner transfers..

liza10o · Sep 12, 2024

helloworld said:
1MP = 1 Rs. if booked revenue tickets through travel edge.

for partner transfers..

Im sorry but trying to understand, what would be the value of each mp at partner website, like for eg. for a 5k flight, i need 7k mp, for 1 rs i need 2 mp, is these a fixed conversion for this?

liza10o · Sep 12, 2024

liza10o said:
But for indigo it seems that hdfc is a better option:

Say for a 5000 spent on flight booking:
Atlas:
5,000÷100×5 = 250 rp = 250 rs
Hdfc:

5,000÷150=33.3
33×4×5×0.5=330 rs

Is this correct?

sourpai · Sep 12, 2024

liza10o said:
Is this correct?

It is 5000/150*5*5 = 825 points redeemable for 1:1 on flights and hotels (For Infinia, DCB, DCB metal only)
But for Regalia Gold, 5000/150*4 = 660 points redeemable for 1:0.5 = 330 on flights and hotels

For Atlas, it is
5000/100*5 = 250 points transferable to Airmiles at 1:2 = 500 Airmiles / Accor points

helloworld · Sep 12, 2024

liza10o said:
Im sorry but trying to understand, what would be the value of each mp at partner website, like for eg. for a 5k flight, i need 7k mp, for 1 rs i need 2 mp, is these a fixed conversion for this?

1MP = 1Rs. when booked through travel edge, direct flights.. like for 5k flight you'll redeem 5k MP. Its not partner website, its 'traveledge'. (Its like the way you used 0.5 for your hdfc calculation)

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

TF Legend

General Note:​

Terminology:​

Joining Fee and Benefits:​

Spend Rewards:​

Milestone Benefits:​

Redemption Options:​

Lounge Access:​

Exclusions:​

Recommendations:​

TF Prestige

TF Legend

TF Prestige

TF Legend

TF Prestige

TF Legend

TF Ace

TF Legend

TF Select

TF Ace

TF Select

TF Legend

TF Select

TF Select

TF Legend

TF Select

TF Select

TF Legend

TF Legend

General Note:

Terminology:

Joining Fee and Benefits:

Spend Rewards:

Milestone Benefits:

Redemption Options:

Lounge Access:

Exclusions:

Recommendations: