Side-by-side · honest numbers
Axis Bank Atlas Credit Card vs Axis Bank Magnus Credit Card vs IDFC FIRST HPCL Power+ Credit Card
Honest side-by-side comparison of Axis Bank Atlas Credit Card, Axis Bank Magnus Credit Card, IDFC FIRST HPCL Power+ Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, Axis Bank Magnus Credit Card ranks first for estimated net annual value — ahead of Axis Bank Atlas Credit Card by about ₹10,450/yr.
| Feature | Axis Bank Atlas Credit Card Axis Bank | Axis Bank Magnus Credit Card Axis Bank | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | ₹12,500 | ₹499 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published | Waived at ₹1,50,000/yr spend |
| Min income | ₹50,000/mo | ₹1,00,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹6,802/yr | ₹17,252/yr | ₹3,360/yr |
| Groceries (offline) | — | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Fuel | — | — | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) |
| Travel | 5 pts per ₹150 spend → ₹67/mo (₹800/yr) | 12 pts per ₹200 spend → ₹120/mo (₹1,440/yr) | — |
| Top reward rate | 5 EDGE Miles/₹150 | 12 Edge Miles/₹200 | 30 pts/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Up to 18 domestic + 12 international visits/year · Visit count scales with annual card spend tiers — check Axis Atlas milestones | Unlimited domestic + 8 international/year · ₹50,000 spend in previous 3 calendar months for domestic lounge (waived first 3 months on new issuance) | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet · Jewellery | EMI · Rent · Wallet · Insurance |
| Bonuses | |||
| Signup bonus | ₹5,000 | ₹25,000 | ₹500 |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST HPCL Power+ Credit Card has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- Axis Bank Magnus Credit Card leads with an estimated ₹17,252/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IDFC FIRST HPCL Power+ Credit Card lists a minimum monthly income of ₹20,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Axis Bank Atlas Credit Card
Axis Bank
Axis Bank Magnus Credit Card
Axis Bank
IDFC FIRST HPCL Power+ Credit Card
IDFC FIRST Bank
Your adjusted comparison
| Feature | Axis BankPlatinum Axis Bank Atlas Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Atlas Credit Card Top reward5 EDGE Miles/₹150 Annual fee₹5,000 Min income₹50,000/mo Tap to flip back Axis Bank Atlas Credit Card Axis Bank | Axis BankMetal Axis Bank Magnus Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Magnus Credit Card Top reward12 Edge Miles/₹200 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back Axis Bank Magnus Credit Card Axis Bank | IDFC FIRST BankGold IDFC FIRST HPCL Power+ Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST HPCL Power+ Credit Card Top reward30 pts/₹150 Annual fee₹499 Min income₹20,000/mo Tap to flip back IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | ₹12,500 | ₹499 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published | Waived at ₹1,50,000/yr spend |
| Min income | ₹50,000/mo | ₹1,00,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹6,802/yr | ₹17,252/yr | ₹3,360/yr |
| Groceries (offline) | — | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Fuel | — | — | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) |
| Travel | 5 pts per ₹150 spend → ₹67/mo (₹800/yr) | 12 pts per ₹200 spend → ₹120/mo (₹1,440/yr) | — |
| Top reward rate | 5 EDGE Miles/₹150 | 12 Edge Miles/₹200 | 30 pts/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Up to 18 domestic + 12 international visits/year · Visit count scales with annual card spend tiers — check Axis Atlas milestones | Unlimited domestic + 8 international/year · ₹50,000 spend in previous 3 calendar months for domestic lounge (waived first 3 months on new issuance) | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet · Jewellery | EMI · Rent · Wallet · Insurance |
| Bonuses | |||
| Signup bonus | ₹5,000 | ₹25,000 | ₹500 |
Axis Bank Atlas Credit Card details →Axis Bank Magnus Credit Card details →IDFC FIRST HPCL Power+ Credit Card details →
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https://cardhungry.com/in/en/compare/axis-atlas-vs-axis-magnus-vs-idfc-hpcl-power-plusMore Axis Bank Atlas Credit Card comparisons
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