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| Feature | Axis Bank Axis Bank Atlas Credit Card | Kotak Mahindra Bank Kotak Air+ Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Axis Bank | Kotak Mahindra Bank |
| Network | Visa | Visa |
| Annual fee | ₹5,000 + GST per year | ₹3,000 + GST per year |
| Annual fee waiver | No waiver recorded | No waiver recorded |
| Base reward rate | 2% | 2% |
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 • 2 international airport lounge visits per year |
| Forex markup | 3.5% | 2% |
| Monthly income requirement | Approx. ₹1,00,000/month salaried · ₹1,25,000/month self-employed | Not listed |
| Terms verified | 14 Sept 2026 | 23 Sept 2026 |
| Best suited to | Frequent flyers, business travelers and luxury hotel stayers spending ₹50,000+ monthly. | Travellers who book through Kotak Unbox and prefer simple Air Miles over complex transfer ratios. |
| 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. | International transactions earn no miles despite the low forex markup. Direct booking redemption can cover only 80% of a booking, and transfer ratios vary by partner. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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