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| Feature | Axis Bank Axis Bank Atlas Credit Card | IndusInd Bank IndusInd Bank Avios Visa Infinite Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Axis Bank | IndusInd Bank |
| Network | Visa | Visa |
| Annual fee | ₹5,000 + GST per year | ₹5,000 + GST per year |
| Annual fee waiver | No waiver recorded | No waiver recorded |
| Base reward rate | 2% | 1.5% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | 8 domestic airport lounge visits per year • 4 international airport lounge visits per year | 8 domestic airport lounge visits per year • 8 international airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Approx. ₹1,00,000/month salaried · ₹1,25,000/month self-employed | Not listed |
| Terms verified | 14 Sept 2026 | 24 Sept 2026 |
| Best suited to | Frequent flyers, business travelers and luxury hotel stayers spending ₹50,000+ monthly. | British Airways or Qatar Airways Avios collectors who travel internationally several times a year. |
| Main trade-off | No annual-fee waiver is published. Renewal miles and lounge allowances depend on the achieved Atlas tier; international lounge terms were marked under maintenance at review. | The 1.5% forex rate applies only to point-of-sale spend at the selected preferred destination; standard forex is 3.5%. Reward earning per statement is limited by the assigned credit limit and cannot be fully valued without that limit. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
