Side-by-side · honest numbers
Axis Bank Atlas Credit Card vs HDFC MoneyBack+ Credit Card vs Kotak Royale Signature Credit Card
Honest side-by-side comparison of Axis Bank Atlas Credit Card, HDFC MoneyBack+ Credit Card, Kotak Royale Signature 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 Atlas Credit Card ranks first for estimated net annual value — ahead of HDFC MoneyBack+ Credit Card by about ₹6,112/yr.
| Feature | Axis Bank Atlas Credit Card Axis Bank | HDFC MoneyBack+ Credit Card HDFC Bank | Kotak Royale Signature Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | ₹500 | ₹999 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published | Waived at ₹1,00,000/yr spend |
| Min income | ₹50,000/mo | ₹20,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹6,802/yr | ₹690/yr | ₹140/yr |
| Online shopping | — | 10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit) | — |
| Fuel | — | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) |
| Travel | 5 pts per ₹150 spend → ₹67/mo (₹800/yr) | — | — |
| Top reward rate | 5 EDGE Miles/₹150 | 10X points | 2X reward points |
| Primary reward cap | No monthly cap published | ₹2,500 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Up to 18 domestic + 12 international visits/year · Visit count scales with annual card spend tiers — check Axis Atlas milestones | None | Limited domestic lounge visits — verify on issuer site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹5,000 | ₹500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC MoneyBack+ Credit Card has the lowest annual fee at ₹500.
- Which card earns more on moderate spend?
- Axis Bank Atlas Credit Card leads with an estimated ₹6,802/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC MoneyBack+ 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
HDFC MoneyBack+ Credit Card
HDFC Bank
Kotak Royale Signature Credit Card
Kotak Mahindra 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 | HDFC BankClassic HDFC MoneyBack+ Credit Card •••• •••• •••• 4242 Quick facts HDFC MoneyBack+ Credit Card Top reward10X points Annual fee₹500 Min income₹20,000/mo Tap to flip back HDFC MoneyBack+ Credit Card HDFC Bank | Kotak Mahindra BankSignature Kotak Royale Signature Credit Card •••• •••• •••• 4242 Quick facts Kotak Royale Signature Credit Card Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Kotak Royale Signature Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | ₹500 | ₹999 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published | Waived at ₹1,00,000/yr spend |
| Min income | ₹50,000/mo | ₹20,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹6,802/yr | ₹690/yr | ₹140/yr |
| Online shopping | — | 10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit) | — |
| Fuel | — | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) |
| Travel | 5 pts per ₹150 spend → ₹67/mo (₹800/yr) | — | — |
| Top reward rate | 5 EDGE Miles/₹150 | 10X points | 2X reward points |
| Primary reward cap | No monthly cap published | ₹2,500 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Up to 18 domestic + 12 international visits/year · Visit count scales with annual card spend tiers — check Axis Atlas milestones | None | Limited domestic lounge visits — verify on issuer site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹5,000 | ₹500 | — |
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https://cardhungry.com/in/en/compare/axis-atlas-vs-hdfc-moneyback-plus-vs-kotak-royaleMore Axis Bank Atlas Credit Card comparisons
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