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Axis Bank Atlas Credit Card VS IndusInd Bank Avios Visa Infinite Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 30 September 2026

Both IndusInd Bank Avios Visa Infinite Credit Card and Axis Bank Atlas Credit Card suit travel-focused spenders, but they earn and cost differently. IndusInd Bank Avios Visa Infinite Credit Card costs ₹10,000 + GST and earns up to 6X Avios/₹200 on preferred international destinations; 5X on airline spends. Axis Bank Atlas Credit Card costs ₹5,000 + GST and earns 5 EDGE Miles for every ₹100 on travel spends; 2 EDGE Miles for every ₹100 on other transactions. IndusInd Bank Avios Visa Infinite Credit Card also brings 2 complimentary visits per calendar quarter at participating domestic lounges, while Axis Bank Atlas Credit Card counters with up to 18 complimentary domestic lounge visits per annum based on membership tier (Silver: 8, Gold: 12, Platinum: 18). If international spends spending matters more, go with IndusInd Bank Avios Visa Infinite Credit Card; if premium is the priority, Axis Bank Atlas Credit Card fits better.

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Axis Bank Atlas Credit Card
Axis Bank Atlas Credit Card
IndusInd Bank Avios Visa Infinite Credit Card
IndusInd Bank Avios Visa Infinite Credit Card

Fees & Charges

Joining Fee₹5,000 + GST
Joining Fee₹10,000 + GST
Renewal Fee₹5,000 + GST
Renewal Fee₹5,000 + GST
Spend Based WaiverNot applicable for annual fee waiver; annual benefits in form of EDGE Miles provided upon fee payment.
Spend Based Waiver
Foreign Transaction Fees3.50% on foreign currency transactions; 1.5% on Dynamic Currency Conversion markup.
Foreign Transaction Fees1.5% at Preferred International Destinations; 3.5% Everywhere Else.
Interest Rate (APR)3.75% per month (55.55% per annum) on retail purchases & cash advances.
Interest Rate (APR)3% Per Month and 36% Per Annum.

Rewards & Benefits

Welcome Bonus2,500 EDGE Miles on first transaction within 37 days of card issuance.
Welcome Bonus20,000 Bonus Avios upon joining, credited after 15 days of receipt of joining fees.
Rewards RateEarn 5 EDGE Miles for every ₹100 on travel spends; 2 EDGE Miles for every ₹100 on other transactions.
Rewards RateEarn up to 6X Avios per ₹200 on international POS, 5X on airline bookings, 3X on other spends.
Reward TypeReward Points
Reward TypeAir Miles
Reward Redemption Fee₹99 + GST for EDGE portal redemption; ₹199 + GST for transfer to partner loyalty programs.
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge AccessUp to 18 complimentary domestic lounge visits per annum based on membership tier (Silver: 8, Gold: 12, Platinum: 18).
Domestic Lounge Access2 complimentary domestic lounge access per calendar quarter.
International Lounge AccessUp to 12 complimentary international lounge visits per annum based on membership tier (Silver: 4, Gold: 6, Platinum: 12).
International Lounge AccessComplimentary Priority Pass with 2 international lounge access per calendar quarter.
Travel BenefitsFlexible miles transfer program to various airline and hotel loyalty partners; booking flights, hotels & experiences.
Travel BenefitsComplimentary airport meet-and-greet, 10% off Qatar Airways flights, discounts on transfers & concierge.
Movie Benefits
Movie Benefits
Dining BenefitsUp to 25% off (max ₹800) twice a month at partner restaurants via EazyDiner on min spend of ₹2,500.
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver for transactions between ₹400-₹4,000, capped at ₹400 per cycle.
Fuel Surcharge Waiver1% waiver for fuel spends between ₹500 and ₹10,000.

Security & Other

Insurance Benefits
Insurance BenefitsOverseas medical ($25K), air accident (₹25L), and travel insurance for baggage, passport, tickets.
Cash Advance Charges2.5% of cash amount (Minimum ₹500).
Cash Advance ChargesNil
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank Atlas Credit Card

IndusInd Bank Avios Visa Infinite Credit Card

Who is it for?

The Axis Bank ATLAS Credit Card is a premium, airlines-agnostic travel credit card designed to offer exclusive benefits to frequent travelers. It rewards users with EDGE Miles on every travel and other eligible spend, featuring a tiered membership system (Silver, Gold, Platinum) that unlocks enhanced rewards and lounge access based on annual spending. With a flexible miles transfer program to various airline and hotel loyalty partners, this card is an excellent option for individuals seeking to maximize rewards on their travel-related expenses, both domestically and internationally.

Who is it for?

The IndusInd Bank Avios Visa Infinite Credit Card is an ultra-premium travel card designed for frequent international travelers, co-branded with Qatar Airways and British Airways. It offers exceptional Avios earning rates, a low foreign currency markup at preferred destinations, and comprehensive travel perks like complimentary lounge access and airport meet-and-greet services. Cardholders can choose their preferred airline loyalty program to maximize benefits, making it ideal for those seeking a seamless global travel experience. Despite its high fees, the extensive suite of benefits justifies the cost for its target audience.

Pros

Key benefits and features.

Receive a generous welcome bonus of 2,500 EDGE Miles upon your first transaction.

Enjoy accelerated EDGE Miles earning on all travel-related transactions and bookings.

Benefit from a tiered system (Silver, Gold, Platinum) offering escalating rewards and lounge access.

Unlock attractive milestone benefits, providing bonus EDGE Miles upon achieving spend targets.

Utilize an excellent transfer ratio of 1 EDGE Mile to 2 Partner Points for various loyalty programs.

Pros

Key benefits and features.

Exceptional Avios earning rates, up to 6X, especially on international and airline spends.

Low foreign currency markup of 1.5% at chosen international destinations.

Comprehensive travel benefits including lounge access, meet-and-greet, and insurance.

Significant milestone benefits offering up to 36,000 bonus Avios annually.

Flexibility to choose preferred airline loyalty program (Qatar/British Airways).

Cons

Key drawbacks and limitations.

The Axis Bank ATLAS Credit Card does not offer any golf or insurance benefits.

The complex tiered reward structure and numerous spend exclusions can be confusing for users.

The card carries a significant joining and annual fee of ₹5,000 + GST.

A high foreign currency markup of 3.50% applies to international transactions.

Additional fees are levied for reward redemption and miles transfer to partner programs.

Cons

Key drawbacks and limitations.

High joining fee of ₹10,000 + GST and renewal fee of ₹5,000 + GST.

No spend-based waiver available for the annual renewal fee.

Limited complimentary international lounge access (2 per quarter) with Priority Pass.

Avios earning is reduced to 1X on utility, government, education, and insurance spends.

Elderly Care Assist services are chargeable, despite being arranged by concierge.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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