Which card to take upgrade HDFC Regalia Gold vs HDFC Marriot Bonvoy vs HDFC Dinners Black vs Axis Atlas?

[shalabh]

I am getting offer to upgrade my credit card none of them is free.
In that scenario when my average monthly expenditure is 10k approx via CC
Upggrade to which will be the best

Which card to take upgrade HDFC Regalia Gold vs HDFC Marriot Bonvoy vs HDFC Dinners Black vs Axis Atlas?

 

[Skylar]

Card	Annual Fee	Best For	Reward Rate	Lounge Access	Worth It at ₹1.2L Spend?
HDFC Regalia Gold	₹2,500–2,950	Balanced lifestyle	4 RP/₹150 (≈1.3%)	Domestic + Intl (limited)	Maybe – if you value memberships like Swiggy One & MMT Black
HDFC Marriott Bonvoy	₹3,500+	Frequent Marriott stays	Marriott Points (≈2–3% on hotel spends)	Marriott Elite perks	No – unless you stay at Marriott hotels often
HDFC Diners Black	₹10,000	High spenders, travel	5 RP/₹150 (≈3.3%) + 10X on SmartBuy	Unlimited Intl + Domestic	No – benefits kick in at ₹8L+ spend
Axis Atlas	₹5,000	Travel-focused spenders	2.5X EDGE Miles on travel	12 Intl + 18 Domestic	No – better suited for ₹3L+ annual spend

With a ₹10K/month spend, Regalia Gold feels like the smartest pick. It gives you a premium vibe without burning a hole in your wallet. Plus, the milestone vouchers and free lifestyle memberships can help you easily cover the fee if you actually use them.

Diners Black and Axis Atlas? Great cards, no doubt but only if you’re spending big. At your current level, you'd barely scratch the surface of their real benefits.

As for Marriott Bonvoy, it’s worth it only if you’re loyal to Marriott hotels and plan to make the most of the free night and those points.

So yeah if you're looking for value, ease, and a bit of luxury without jumping through hoops, Regalia Gold’s your safest bet.