Guide · Points
How do Regalia Gold and Atlas points move to KrisFlyer?
Regalia Gold sends 2 points for 1 KrisFlyer mile, capped at 50,000 points a month. Atlas sends 1 EDGE Mile for 2, capped at 30,000 a year. The arithmetic.
Both cards send points to Singapore Airlines KrisFlyer, at opposite ratios. HDFC Regalia Gold converts 2 reward points into 1 KrisFlyer mile. Axis Atlas converts 1 EDGE Mile into 2 KrisFlyer miles. On ₹1,00,000 of ordinary spend, Regalia Gold ends up with 1,250 KrisFlyer miles and Atlas with 4,000. The transfer limits favour Regalia Gold instead: it can move up to 50,000 points a month, and Atlas can move 30,000 EDGE Miles a year to KrisFlyer and 17 other partners combined.
How Regalia Gold points get to KrisFlyer
Regalia Gold earns 5 reward points per ₹200 on ordinary spend. Fuel, rent and wallet loads earn nothing. At 2:1, those 5 points become 2.5 KrisFlyer miles. So ₹1,00,000 of spend earns 2,500 points, and those 2,500 points become 1,250 miles.
The quicker way to build a KrisFlyer balance on this card is SmartBuy, HDFC’s travel portal. Flights booked there earn 25 points per ₹200 (5X) and hotels earn 50 per ₹200 (10X). The extra points have their own ceiling: 2,000 a day and 4,000 a calendar month across all SmartBuy categories. Spend beyond that earns the base 5 per ₹200.
Partner transfers are made on SmartBuy too. The card record caps them at 50,000 points a month, which is 25,000 KrisFlyer miles. HDFC lists the conversion as taking 1 to 3 days. HDFC’s own page values a point at up to 0.5 airmiles, which is the same 2:1 ratio stated another way.
How Atlas EDGE Miles get to KrisFlyer
Atlas earns 2 EDGE Miles per ₹100 on ordinary spend. Flights and hotels booked directly with the airline or hotel, or through Axis Travel EDGE, earn 5 per ₹100. That travel rate covers the first ₹2,00,000 of combined travel spend in a month, then drops back to 2. A booking made through a travel agent or an online travel site earns the base 2.
At 1:2, each EDGE Mile becomes 2 KrisFlyer miles. So direct travel earns 10 KrisFlyer miles per ₹100, and ordinary spend earns 4. On ₹1,00,000 of direct travel, Atlas earns 5,000 EDGE Miles, which convert to 10,000 KrisFlyer miles. The same amount of ordinary spend earns 2,000 EDGE Miles, which convert to 4,000 miles.
Atlas lists KrisFlyer transfers as taking up to 10 working days, against up to 1 working day for British Airways, Qatar and Finnair, so leave room for the longer wait.
The fine print: Atlas’s Group A limit
On ratio alone Atlas earns KrisFlyer miles far faster, but Axis puts its transfer partners in two groups. KrisFlyer is in Group A. Group A takes a maximum of 30,000 EDGE Miles per customer in a calendar year, shared across 18 partners: KrisFlyer, Air India Maharaja Club, both Avios programmes, Flying Blue, Accor and the rest. Group B has its own separate limit of 1,20,000 EDGE Miles. Total transfers across both groups top out at 1,50,000 a year.
So the most KrisFlyer miles Atlas can produce in a year is 60,000, and only if nothing else in Group A gets any of the allowance. Earning 30,000 EDGE Miles at the travel rate takes ₹6,00,000 of direct travel spend. EDGE Miles above that can still go to Group B partners, or be spent on Axis’s own travel bookings, but not to KrisFlyer.
Regalia Gold’s limit resets every month, and at 25,000 KrisFlyer miles a month the earn rate runs out long before the cap does. A Regalia Gold balance grows slowly; an Atlas holder hits the Group A ceiling quickly and then stops.
Axis has paused new Atlas applications, so this comparison only matters to people who already hold the card. The catalog gives KrisFlyer miles from either card the same value, ₹0.90 a mile. On that valuation, the 1,250 miles from ₹1,00,000 of Regalia Gold spend are worth about ₹1,125, and the 10,000 miles from the same amount of direct Atlas travel spend about ₹9,000, until the Group A limit is reached.
What to check on your own statement
For Regalia Gold, look at how many SmartBuy bonus points the month has already used. A booking made after the 4,000-point monthly cap earns 5 per ₹200, not 25 or 50. Then check the points balance before transferring, and allow the 1 to 3 days before you book the award seat.
For Atlas, check two things. First, how much of the ₹2,00,000 monthly travel band is already used, because spend past it earns 2 per ₹100. Second, how much of the year’s 30,000 Group A allowance has gone to other partners. A transfer to Air India or Avios earlier in the year leaves less for KrisFlyer. On either card, transfers go one way, so find the award seat before converting.
The catalog records for both cards are below this guide, dated. Krediit tracks both balances against their caps and shows how many KrisFlyer miles each card’s points would become before you make the transfer.
Facts, dated · HDFC Bank Regalia Gold
| Annual fee | ₹2,500 |
|---|---|
| Base rate | 5 pts / ₹200 |
| Online shopping | 5X · cap 5,000 pts a month · At Myntra, Nykaa, Marks & Spencer and Reliance Digital, online or in store, paid directly with the card; wallet payments earn no bonus. The bonus stops at 5,000 points a calendar month across all four brands, while base points keep coming. Minimum transaction ₹200. |
| Flights · SmartBuy | 5X SmartBuy · Up to 2,000 accelerated points a day. |
| Hotels · SmartBuy | 10X SmartBuy · Up to 2,000 accelerated points a day. |
| Online shopping · SmartBuy | 5X SmartBuy vouchers · Voucher bonus · Up to 2,000 accelerated points a day. |
| Shared cap | 4,000 accelerated pts/mo across SmartBuy |
| Shared cap | Points moved to airline and hotel partners on SmartBuy |
| Fee waiver | ₹4,00,000 spend a year · Renewal waived on ₹4L annual spend. |
| Lounges | Unconditional domestic access ended 1 July 2026; the quarterly spend gate applies now. Boarding Edge, from 15 May 2026, adds two complimentary lifestyle services a calendar quarter — a spa session, a premium hotel buffet, an airport transfer worth up to ₹750 on Uber, or a hotel room upgrade. |
| Transfer partners | 18 programmes · best value Accor ALL at 2:1 |
From the Krediit catalog record, verified 2026-08-26. Issuers change terms; the record updates over the air and this page rebuilds with it. Check the issuer's own document before acting on a figure.
Facts, dated · Axis Bank Atlas
| Annual fee | ₹5,000 |
|---|---|
| Base rate | 2 pts / ₹100 |
| Flights | 5 EDGE Miles/₹100 on travel · Only Axis Travel EDGE, direct airline and direct hotel spends earn 5 Miles; bookings through travel agents or OTAs earn the base 2 Miles per ₹100. |
| Hotels | 5 EDGE Miles/₹100 · Only Axis Travel EDGE, direct airline and direct hotel spends earn 5 Miles; bookings through travel agents or OTAs earn the base 2 Miles per ₹100. |
| Shared cap | 5 EDGE Miles per ₹100 on flights and hotels up to ₹2,00,000 a month, then 2 per ₹100 |
| Lounges | Domestic allowances step up with the EDGE Miles tier you hold, and the counts cover guest visits as well as your own. Axis lists the card's international lounge programme as under maintenance, so there is no international lounge access on it for now. |
| Earns nothing on | Gold and jewellery, rent, wallet, government institutions, insurance, utilities and telecom, and fuel earn no EDGE Miles and count toward neither the tier thresholds nor the milestones (since 20 Apr 2024). Gift card purchases earn no rewards and do not count toward a spend-based fee waiver or milestone. |
| Transfer partners | 26 programmes · best value Accor ALL at 2:1 |
From the Krediit catalog record, verified 2026-08-31. Issuers change terms; the record updates over the air and this page rebuilds with it. Check the issuer's own document before acting on a figure.
Sources
- HDFC Bank Regalia Gold credit card page (reward points and redemption values) · accessed 2026-10-15
- Axis Bank Atlas credit card page · accessed 2026-10-15
- Axis Bank terms and conditions of features of the Atlas credit card (PDF), Group A and Group B transfer limits · accessed 2026-10-15
- ₹1,00,000 — Worked-example spend. An assumption chosen for the arithmetic, not a card term.
- 2,500 — Regalia Gold points on ₹1,00,000 of ordinary spend at 5 points per ₹200 · from the HDFC Bank Regalia Gold record
- 1,250 — 2,500 Regalia Gold points converted to KrisFlyer at 2:1 · from the HDFC Bank Regalia Gold record
- 2.5 — KrisFlyer miles per ₹200 of ordinary Regalia Gold spend: 5 points at 2:1 · from the HDFC Bank Regalia Gold record
- 25,000 — 50,000 Regalia Gold points, the monthly transfer limit, converted to KrisFlyer at 2:1 · from the HDFC Bank Regalia Gold record
- 5,000 — Atlas EDGE Miles on ₹1,00,000 of direct travel spend at 5 per ₹100 · from the Axis Bank Atlas record
- 10,000 — 5,000 Atlas EDGE Miles converted to KrisFlyer at 1:2 · from the Axis Bank Atlas record
- 4,000 — Atlas ordinary spend: ₹1,00,000 at 2 EDGE Miles per ₹100 is 2,000 EDGE Miles, converted to KrisFlyer at 1:2 · from the Axis Bank Atlas record
- 2,000 — Atlas EDGE Miles on ₹1,00,000 of ordinary spend at 2 per ₹100 · from the Axis Bank Atlas record
- 60,000 — 30,000 Atlas EDGE Miles, the Group A yearly limit, converted to KrisFlyer at 1:2 · from the Axis Bank Atlas record
- ₹6,00,000 — Direct travel spend that earns 30,000 Atlas EDGE Miles at 5 per ₹100 · from the Axis Bank Atlas record
- ₹1,125 — 1,250 KrisFlyer miles at ₹0.90 a mile, the catalog's KrisFlyer valuation · from the HDFC Bank Regalia Gold record
- ₹9,000 — 10,000 KrisFlyer miles at ₹0.90 a mile, the catalog's KrisFlyer valuation · from the Axis Bank Atlas record
Informational, not financial advice. Krediit does not see your application, your credit file or your bank's decision; it reads the terms so you do not have to.
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