Side-by-side · honest numbers
Axis Bank Atlas Credit Card vs IDFC FIRST Select Credit Card vs slice credit card
Honest side-by-side comparison of Axis Bank Atlas Credit Card, IDFC FIRST Select Credit Card, slice 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 slice credit card by about ₹3,292/yr.
| Feature | Axis Bank Atlas Credit Card Axis Bank | IDFC FIRST Select Credit Card IDFC FIRST Bank | slice credit card Slice |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | Lifetime free | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free | Lifetime free |
| Min income | ₹50,000/mo | ₹30,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹6,802/yr | ₹2,070/yr | ₹3,510/yr |
| Travel | 5 pts per ₹150 spend → ₹67/mo (₹800/yr) | — | — |
| Top reward rate | 5 EDGE Miles/₹150 | 3X reward points | Up to 1% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹500 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 | 2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs) | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Rent | Rent · Wallet loads · EMI |
| Bonuses | |||
| Signup bonus | ₹5,000 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST Select Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- 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?
- slice credit card lists a minimum monthly income of ₹15,000.
- 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
IDFC FIRST Select Credit Card
IDFC FIRST Bank
slice credit card
Slice
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 | IDFC FIRST BankPlatinum IDFC FIRST Select Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST Select Credit Card Top reward3X reward points Annual feeLifetime Free Min income₹30,000/mo Tap to flip back IDFC FIRST Select Credit Card IDFC FIRST Bank | SliceGold slice credit card •••• •••• •••• 4242 Quick facts slice credit card Top rewardUp to 1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back slice credit card Slice |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | Lifetime free | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free | Lifetime free |
| Min income | ₹50,000/mo | ₹30,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹6,802/yr | ₹2,070/yr | ₹3,510/yr |
| Travel | 5 pts per ₹150 spend → ₹67/mo (₹800/yr) | — | — |
| Top reward rate | 5 EDGE Miles/₹150 | 3X reward points | Up to 1% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹500 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 | 2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs) | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Rent | Rent · Wallet loads · EMI |
| Bonuses | |||
| Signup bonus | ₹5,000 | — | — |
Axis Bank Atlas Credit Card details →IDFC FIRST Select Credit Card details →slice credit card details →
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