Which card has a lower forex fee: Axis Bank Atlas Credit Card or Axis Bank Magnus Credit Card?

Axis Bank Magnus Credit Card has lower forex markup (2% vs 3.5%).

Which card has a lower annual fee: Axis Bank Atlas Credit Card or Axis Bank Magnus Credit Card?

Axis Bank Atlas Credit Card has a lower annual fee (₹5,000 vs ₹12,500).

Which card offers better lounge access?

Axis Bank Atlas Credit Card: 8/year domestic lounge (2 per quarter). Axis Bank Magnus Credit Card: Unlimited domestic lounge.

Which card has a higher base reward rate?

Axis Bank Magnus Credit Card has higher base reward value (~5% vs ~1%).

Pairwise comparison Add another card →

Axis Bank Atlas vs Axis Bank Magnus Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank Atlas and the Axis Bank Magnus. Verify fees, lounge access, forex markup, and base rewards before you apply.

Forex Axis Bank Magnus Rewards Axis Bank Magnus

Quick comparison

Three core metrics

Atlas Axis Bank

Annual fee ₹5,000 Waivable at ₹7,50,000 spend
Forex markup 3.5%
Domestic lounge 8/year (2 per quarter)

Magnus Axis Bank

Annual fee ₹12,500 Waivable at ₹25,00,000 spend
Forex markup 2%
Domestic lounge Unlimited

Reward earning explained

Per card

Atlas

2 pts / ₹100 on General spend

Limited data

Magnus

5 pts / ₹100 on General spend

Limited data

Pick based on what matters

6 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Atlas: ₹5,000 vs Axis Bank Magnus: ₹12,500), forex markup (3.5% vs 2%), or lounge access (8/year (2 per quarter) vs Unlimited).

Travel Insufficient data

Insufficient data to compare travel

Only Axis Bank Magnus has comparable evidence here. Forex markup is 2%.

Atlas: Limited data Magnus: Limited data
Forex markup Axis Bank Magnus wins

Axis Bank Magnus is better for forex

Axis Bank Magnus is stronger here. Forex markup is 2%.

Atlas: Limited data Magnus: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 8/year (2 per quarter). Domestic lounge access is unlimited.

Atlas: Limited data Magnus: Limited data
Rewards Axis Bank Magnus wins

Axis Bank Magnus is better for rewards

Axis Bank Magnus is stronger here. Estimated base reward value is ~5% on base spend.

Atlas: Limited data Magnus: Limited data
Annual fee Insufficient data

Insufficient data to compare fees

Only Axis Bank Magnus has comparable evidence here. Annual fee is ₹12,500.

Atlas: Limited data Magnus: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Magnus: ~₹2,500/month at base rate
Atlas: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Field	Atlas Axis Bank	Magnus Axis Bank
Lounge Access
Domestic lounge visits 8/year (2 per quarter) vs Unlimited	8/year (2 per quarter)	Unlimited
International lounge visits 6/year vs 4/year	6/year	4/year
Forex / International Use
Forex markup 3.5% vs 2%	3.5%	2%
Fees
Annual fee ₹5,000 vs ₹12,500	₹5,000	₹12,500
Joining fee ₹5,000 vs ₹12,500	₹5,000	₹12,500
Fee waiver spend ₹7,50,000 vs ₹25,00,000	₹7,50,000	₹25,00,000
Rewards
Points per ₹100 2 pts vs 5 pts	2 pts	5 pts
Point cash value ₹0.5 vs ₹1	₹0.5	₹1

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.