Which card has a lower forex fee: Axis Bank Atlas Credit Card or IDFC First Bank Mayura Credit Card?

IDFC First Bank Mayura Credit Card has lower forex markup (0% vs 3.5%).

Which card has a lower annual fee: Axis Bank Atlas Credit Card or IDFC First Bank Mayura Credit Card?

Axis Bank Atlas Credit Card has a lower annual fee (₹5,000 vs ₹5,999).

Which card offers better lounge access?

Axis Bank Atlas Credit Card: 8/year domestic lounge (2 per quarter). IDFC First Bank Mayura Credit Card: 16/year domestic lounge.

Which card has a higher base reward rate?

IDFC First Bank Mayura Credit Card has higher base reward value (~1.67% vs ~1%).

Pairwise comparison Add another card →

Axis Bank Atlas vs IDFC FIRST Bank Mayura Credit Cards – Fees, Lounge, Forex

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

Forex IDFC FIRST Bank Mayura Rewards IDFC FIRST Bank Mayura

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)

Mayura IDFC FIRST Bank

Annual fee ₹5,999
Forex markup 0%
Domestic lounge 16/year

Reward earning explained

Per card

Atlas

2 pts / ₹100 on General spend

Limited data

Mayura

5 pts / ₹150 on General spend

Limited data

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Atlas: ₹5,000 vs IDFC FIRST Bank Mayura: ₹5,999), forex markup (3.5% vs 0%), or lounge access (8/year (2 per quarter) vs 16/year).

Travel Insufficient data

Insufficient data to compare travel

Only IDFC FIRST Bank Mayura has comparable evidence here. Forex markup is 0%.

Atlas: Limited data Mayura: Limited data
Forex markup IDFC FIRST Bank Mayura wins

IDFC FIRST Bank Mayura is better for forex

IDFC FIRST Bank Mayura is stronger here. Forex markup is 0%.

Atlas: Limited data Mayura: 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 16/year.

Atlas: Limited data Mayura: Limited data
Rewards IDFC FIRST Bank Mayura wins

IDFC FIRST Bank Mayura is better for rewards

IDFC FIRST Bank Mayura is stronger here. IDFC FIRST Bank Mayura returns ~1.7% vs Axis Bank Atlas's ~1.0% at base spend.

Atlas: Limited data Mayura: 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:

IDFC First Bank Mayura: ~₹830/month at base rate
Atlas: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Field	Atlas Axis Bank	Mayura IDFC FIRST Bank
Lounge Access
Domestic lounge visits 8/year (2 per quarter) vs 16/year	8/year (2 per quarter)	16/year
International lounge visits 6/year vs 16/year	6/year	16/year
Forex / International Use
Forex markup Source agreement differs — verify both. 3.5% vs 0%	3.5%	0%
Fees
Annual fee ₹5,000 vs ₹5,999	₹5,000	₹5,999
Joining fee ₹5,000 vs ₹5,999	₹5,000	₹5,999
Fee waiver spend Only available for Atlas	₹7,50,000	Not specified
Rewards
Reward points (base spend) 2 pts/₹100 vs 5 pts/₹150	2 pts/₹100	5 pts/₹150
Point cash value	₹0.5	₹0.5

Notes

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