What are the annual fees for Axis Bank Atlas Credit Card and IDFC FIRST Wealth Credit Card?

Axis Bank Atlas Credit Card has ₹5,000 + GST. IDFC FIRST Wealth Credit Card has no annual fee. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

Axis Bank Atlas Credit Card earns about 2% on general spends; IDFC FIRST Wealth Credit Card earns about 0.375%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

Axis Bank Atlas Credit Card: 3.5%. IDFC FIRST Wealth Credit Card: 1.5% (plus 18% GST on the markup).

Do both cards include airport lounge access?

Axis Bank Atlas Credit Card: yes — see the lounge row above for limits. IDFC FIRST Wealth Credit Card: yes — see the lounge row above for limits.

Card Comparison

Axis Atlas vs IDFC FIRST Wealth

The key difference: Free vs ₹5,000 annual fee. Axis Atlas vs IDFC FIRST Wealthcompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

Axis Bank Atlas

Axis Bank

Fee₹5,000+GST

Eff. rate2%

CapCategory

Fee

₹5,000+GST

Eff. rate

Cap

How they compare

Axis Atlas and IDFC FIRST Wealthsuit different spending patterns, so the right pick depends on where and how much you spend — the headline difference is called out at the top. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

Axis Atlas

Annual fee: ₹5,000 + GST
Everyday rate: 2%
Monthly cap: No cap

Notable strengths

No monthly reward cap

IDFC FIRST Wealth

Annual fee: Free
Everyday rate: 0.4%
Monthly cap: No cap

Notable strengths

No monthly reward cap
Low forex markup (1.5%)

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

47 specs · 12 sections

Axis Bank Atlas

IDFC FIRST Wealth

Feature

Axis Bank Atlas

IDFC FIRST Wealth

Annual Fee

₹5,000

Free

Joining Fee

₹5,000

Free

Fee Waiver Spend

N/A

Forex Markup

3.5%

1.5%

Reward Type

EDGE Miles

Reward Points

Base Rate

0.38%

Online Rate

—

Offline Rate

—

Effective Base Rate

0.38%

Point Value

₹1

₹0.25

Redemption Quality

HIGH

MEDIUM

Best Redemption

₹1

₹0.25

Worst Redemption

₹0.25

₹0.2

Grocery / Supermarkets

0.38%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

0.38%

Restaurants / Dine-in

0.38%

Flights, Hotels, OTAs, Tour Operators

0.38%

Other Retail / Catch-all

0.38%

Monthly Cap

Category caps apply

No cap

Est. Annual Cap

Category caps apply

No cap

Total Excluded

6 categories

0 categories

Fuel / Petrol / Diesel / CNG

Excluded

Earns rewards

Electricity, Water, Gas, Internet, DTH, Mobile Recharge

Excluded

Earns rewards

Insurance Premiums

Excluded

Earns rewards

Rent Payments

Excluded

Earns rewards

Domestic Visits/Year

-1

International Visits/Year

-1

Priority Pass

Yes

Est. Annual Value

₹6,820

₹10,230

Forex Markup

3.5%

1.5%

Description

2,500 EDGE Miles on first transaction within 37 days of card issuance (for cards sourced from April 20, 2024 onwards)

₹500 Voucher from Uber, Amazon, and Bigbasket on Spending ₹5,000 Within 30 Days of Card Issuance. 5% Cashback Upto ₹1,000 on the First EMI Transaction

Estimated Value

₹2,500

₹1,200

Fuel Surcharge Waiver

Yes

Best Suited For

Travel, Airline Miles

Movies, Travel, Shopping

Min Income

₹1,00,000/month

₹3,00,000/month

Income Proof

Required

Secured FD

Accepting Applications

Yes

Network

Visa

Card Tier

Premium

Infinite

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for Axis Bank Atlas Credit Card and IDFC FIRST Wealth Credit Card?: Axis Bank Atlas Credit Card has ₹5,000 + GST. IDFC FIRST Wealth Credit Card has no annual fee. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: Axis Bank Atlas Credit Card earns about 2% on general spends; IDFC FIRST Wealth Credit Card earns about 0.375%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: Axis Bank Atlas Credit Card: 3.5%. IDFC FIRST Wealth Credit Card: 1.5% (plus 18% GST on the markup).
Do both cards include airport lounge access?: Axis Bank Atlas Credit Card: yes — see the lounge row above for limits. IDFC FIRST Wealth Credit Card: yes — see the lounge row above for limits.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: Axis Bank - Axis Atlas · IDFC FIRST Bank - IDFC FIRST Wealth