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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: 18 July 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.

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 WaiverNot applicable.
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, 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 RateUp to 6X Avios/₹200 on preferred international destinations; 5X on airline 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 visits per calendar quarter at participating domestic lounges.
International Lounge AccessUp to 12 complimentary international lounge visits per annum based on membership tier (Silver: 4, Gold: 6, Platinum: 12).
International Lounge Access2 complimentary visits per calendar quarter via Priority Pass membership.
Travel BenefitsFlexible miles transfer program to various airline and hotel loyalty partners; booking flights, hotels & experiences.
Travel BenefitsAirport meet & greet, lounge access, flight discounts, travel insurance, 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 BenefitsDining Referral and Reservation Assistance globally via concierge service.
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 BenefitsPersonal air accident, lost baggage, delayed baggage, loss of passport, Total Protect.
Cash Advance Charges2.5% of cash amount (Minimum ₹500).
Cash Advance ChargesNil (waived).
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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, offering a unique Avios reward program linked to Qatar Airways and British Airways. Cardholders can maximize benefits by choosing a preferred airline loyalty program and international destination, enjoying a low foreign currency markup at selected locations. It provides a comprehensive suite of travel privileges, including airport meet and greet services, lounge access, concierge services, and extensive insurance coverage, making it ideal for global spenders seeking premium travel experiences.

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, especially on international and airline spends.

Comprehensive travel benefits including meet & greet, lounge access, and concierge.

Low foreign currency markup of 1.5% at preferred destinations enhances global spending.

Generous milestone benefits offer up to 36,000 bonus Avios annually on target spends.

Extensive insurance coverage provides robust protection for international travel.

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 and annual fees may deter those who do not travel internationally often.

No spend-based waiver for the annual fee, requiring consistent payment each year.

Domestic lounge access is limited to two visits per quarter, which might be insufficient.

Avios earning is significantly reduced for utility, government, and education spends.

Priority Pass lounge visits within India are not complimentary for the primary cardholder.

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.
Apply for Axis Bank Atlas Credit Card(opens in new tab)Apply for IndusInd Bank Avios Visa Infinite Credit Card(opens in new tab)