Axis Bank Atlas Credit Card vs IDFC FIRST Bank Mayura Credit Card
Axis Bank · IDFC FIRST Bank — side-by-side CardCheck comparison
·4.4/ 5
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreVery Good
Annual Fee₹5,000
Max Reward5%
IDFC FIRST BankScoreExcellent
Annual Fee₹5,999
Max Reward33%
IDFC FIRST Bank Mayura Credit Card leads overall with a CardCheck Score of 81/100 (+3 pts over Axis Bank Atlas Credit Card).
4-Pillar Head-to-Head Breakdown
Axis vs IDFCReward Power
35%Axis34/35
IDFC35/35
IDFC Wins
Fee Value & ROI
25%Axis18/25
IDFC12/25
Axis Wins
Lounge & Travel
20%Axis18/20
IDFC20/20
IDFC Wins
Forex & Access
20%Axis8/20
IDFC14/20
IDFC Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 78
- 81Best
- Rating Verdict
- Very Good
- Excellent
- Reward Power (35%)
- 34/35
- 35/35
- Fee Value & ROI (25%)
- 18/25
- 12/25
- Lounge & Travel (20%)
- 18/20
- 20/20
- Forex & Access (20%)
- 8/20
- 14/20
02—Basic Info
- Bank
- Axis Bank
- IDFC FIRST Bank
- Network
- Visa
- Mastercard
- Card type
- Premium
- Premium
- Best for
- Travel rewards — EDGE Miles for flights and hotel stays
- travel and lifestyle spenders
03—Fees
- Joining fee
- ₹5,000Best
- ₹5,999
- Annual fee
- ₹5,000Best
- ₹5,999
- Fee waiver
- ₹7,50,000
- —
- Interest-free days
- 50Best
- 45
04—Interest
- APR (min)
- 55.55%
- 8.5%Best
- APR (max)
- 55.55%
- 46.2%Best
- Late payment fee
- ₹1,200Best
- ₹1,300
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- miles
- points
- Min rate
- 2%Best
- 0.7%
- Max rate
- 5%
- 33%Best
- Points / ₹100
- 2
- —
- Point value
- ₹1
- ₹0.5
- Monthly cap
- ₹2,00,000
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 4
- 4
- Lounge spend criteria
- No spend condition
- ₹20,000 spend req.
- Intl lounge / year
- 12
- 16Best
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 0%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Invite only
Rows won
05of 11
06of 11
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 78 | 81Best |
| Rating Verdict | Very Good | Excellent |
| Reward Power (35%) | 34/35 | 35/35 |
| Fee Value & ROI (25%) | 18/25 | 12/25 |
| Lounge & Travel (20%) | 18/20 | 20/20 |
| Forex & Access (20%) | 8/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | IDFC FIRST Bank |
| Network | Visa | Mastercard |
| Card type | Premium | Premium |
| Best for | Travel rewards — EDGE Miles for flights and hotel stays | travel and lifestyle spenders |
03—Fees Differences highlighted | ||
| Joining fee | ₹5,000Best | ₹5,999 |
| Annual fee | ₹5,000Best | ₹5,999 |
| Fee waiver | ₹7,50,000 | — |
| Interest-free days | 50Best | 45 |
04—Interest Differences highlighted | ||
| APR (min) | 55.55% | 8.5%Best |
| APR (max) | 55.55% | 46.2%Best |
| Late payment fee | ₹1,200Best | ₹1,300 |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | miles | points |
| Min rate | 2%Best | 0.7% |
| Max rate | 5% | 33%Best |
| Points / ₹100 | 2 | — |
| Point value | ₹1 | ₹0.5 |
| Monthly cap | ₹2,00,000 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 4 | 4 |
| Lounge spend criteria | No spend condition | ₹20,000 spend req. |
| Intl lounge / year | 12 | 16Best |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 0%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Invite only | ||
| Rows won | 05of 11 | 06of 11 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Axis Bank Atlas Credit Card | IDFC FIRST Bank Mayura Credit Card |
|---|---|---|
| CardCheck Score | 78/100Very Good | 81/100Excellent |
| Annual Fee | ₹5,000 | ₹5,999 |
| Fee Waiver Spend | ₹7.5L/yr | No waiver |
| Max Reward Potential | 5% | 33% |
| Domestic Lounge Access | 4 / quarter | 4 / quarter |
| International Lounge | 12 / year | 16 / year |
| Forex Markup Fee | 3.5% | 0% |
Choose Axis Bank Atlas Credit Card if:
Your spending centers around travel rewards — edge miles for flights and hotel stays and you want direct partner rewards with Axis Bank.
Choose IDFC FIRST Bank Mayura Credit Card if:
Your spending aligns with travel and lifestyle spenders and you prioritize IDFC FIRST Bank's redemption benefits.
Frequently asked questions: Axis Bank Atlas Credit Card vs IDFC FIRST Bank Mayura Credit Card
- Which is better: Axis Bank Atlas Credit Card or IDFC FIRST Bank Mayura Credit Card?
- IDFC FIRST Bank Mayura Credit Card holds a higher overall rating with a CardCheck Score of 81/100 (Excellent) compared to 78/100 (Very Good) for Axis Bank Atlas Credit Card (a lead of +3 points). IDFC FIRST Bank Mayura Credit Card gains its scoring lead primarily through forex & terms (14 vs 8) and lounge & travel privileges (20 vs 18).
- How do annual fees and fee waiver spend rules compare?
- Axis Bank Atlas Credit Card charges an annual fee of ₹5,000 with an annual spend threshold of ₹7.5 Lakh for renewal fee waiver. In comparison, IDFC FIRST Bank Mayura Credit Card charges an annual fee of ₹5,999 with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between Axis Bank Atlas Credit Card and IDFC FIRST Bank Mayura Credit Card?
- Axis Bank Atlas Credit Card offers a base reward rate of 2% and up to 5% on accelerated partner categories. Meanwhile, IDFC FIRST Bank Mayura Credit Card offers a base rate of 0.7% and up to 33% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Axis Bank Atlas Credit Card or IDFC FIRST Bank Mayura Credit Card?
- Axis Bank Atlas Credit Card provides 4 complimentary domestic lounge visits per quarter (16/year) and 12 international lounge visits/year. On the other hand, IDFC FIRST Bank Mayura Credit Card provides 4 complimentary domestic lounge visits per quarter (16/year) and 16 international lounge visits/year (requires ₹20,000 spend in the previous period to unlock).
- Which card is better for international foreign currency spends?
- Axis Bank Atlas Credit Card levies a foreign currency markup fee of 3.5%, while IDFC FIRST Bank Mayura Credit Card charges 0%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).