Axis Bank Atlas vs IDFC FIRST Millennia Credit Card Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 24 October 2026.
| Feature |  Axis Bank Atlas Credit CardAxis Bank5 recent changes → |  IDFC FIRST Millennia Credit CardIDFC First Bank7 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 4% on most spends; 10% only at partner merchants | 0.38% base, up to 1.25% on dining | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 4% | 0.38% | |
| Dining and food delivery | 4% | 1.25% | |
| Groceries | 4% | 0.38% | |
| Travel: flights, hotels, trains | 4%; 10% only at Axis Travel EDGE portal,airline websites & counters,hotel websites & counters | 1.25% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | Earns nothing | 0.13% | |
| Rent | Earns nothing | 0.38% | |
| Insurance premiums | Earns nothing | 0.38% | |
| School and college fees | 4% | 0.38% | |
| Wallet top-ups | Earns nothing | 0.38% | |
| Taxes and government payments | Earns nothing | Not stated | |
| Spend abroad or in a foreign currency | 4% | Earns nothing | |
| Everything else | 4% | 0.38% | |
| Card identity | |||
| Card type | Travel | Dining | |
| Network | Mastercard | Visa | |
| Card tier | Premium | Entry | |
| Fees | |||
| Joining fee | ₹5,000 + GST | Free | |
| Annual fee | ₹5,000 + GST | Free | |
| Lifetime free | No | Yes | |
| Eligibility | |||
| Min age | 18 years | - | |
| Max age | 70 years | - | |
| Employment typesame | BOTH | BOTH | |
| Min monthly salary | ₹1,00,000 | ₹25,000 | |
| Rewards | |||
| Reward type | Air miles | Reward points | |
| Point value | ₹2 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | No | Yes | |
| Fuel waiver cap | ₹400 | - | |
| Lounge access | |||
| Domestic lounge visits | - | 0 | |
| International lounge visits | - | 0 | |
| Railway lounge visits | - | 16 | |
| Lounge programme | PRIORITY_PASS | - | |
| Priority Pass | Yes | No | |
| Lounge condition | Tier-based visits by annual spend (Silver 8 dom + 4 intl, Gold 12 + 6, Platinum 18 + 12). Two rare strengths: no quarterly-spend gate to unlock access, and guests enter against your remaining balance with no per-guest cap. Not a Priority Pass card | Spend Rs 20,000 in the previous month for lounge access | |
| Forex and international | |||
| Forex markup | 3.5% | None | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | 0.71% | |
| Interest rate (annual) | 45% | 8.52% | |
| Redemption | |||
| Redemption fee | - | ₹99 | |
| Page content | |||
| Documents neededsame | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹9,600
- Fee a year
- - ₹5,900
- You keep
- ₹3,700
- Rewards a year
- ₹1,440
- Fee a year
- ₹0
- You keep
- ₹1,440
At this spend, Axis Bank Atlas Credit Card comes out ₹2,260 a year ahead of IDFC FIRST Millennia Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- Travel only at Axis Travel EDGE portal,airline websites & counters,hotel websites & counters: 10% back, up to ₹20,000 a month
- Flyers: some airport lounge visits a year
- First-time card users
- Young earners
- UPI payment users
- People who want no annual fee
Watch-Outs
- Skip it if you spend less than ₹12,500 a month: below that the ₹5,900 fee costs more than the rewards
- Skip it if most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
- Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- Skip it if you rarely spend on Axis Travel EDGE portal,airline websites & counters,hotel websites & counters: the 10% rate applies only there, everything else earns 4%
- Base earning is only about 0.38%
- Low earning on utility bills
- No airport lounge access
Card data sourced via CardAdvisor.in (Axis Bank Atlas Credit Card, IDFC FIRST Millennia Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, Axis Bank Atlas Credit Card or IDFC FIRST Millennia Credit Card?
IDFC FIRST Millennia Credit Card. IDFC FIRST Millennia Credit Card: no annual fee; Axis Bank Atlas Credit Card: ₹5,000. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
IDFC FIRST Millennia Credit Card has the lowest forex markup. IDFC FIRST Millennia Credit Card: 0%; Axis Bank Atlas Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: Axis Bank Atlas Credit Card 4%, IDFC FIRST Millennia Credit Card 0.38%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Which is easier to get?
By stated minimum monthly income: IDFC FIRST Millennia Credit Card ₹25,000, Axis Bank Atlas Credit Card ₹1,00,000. Banks also weigh your credit score and existing relationship, so meeting the income is not a guarantee.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
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Guides in Plain Words
Short reads that explain how it works before you decide.
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