Side-by-side · honest numbers
Axis Bank Atlas Credit Card vs IDFC FIRST WOW Credit Card
Honest side-by-side comparison of Axis Bank Atlas Credit Card, IDFC FIRST WOW Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
Customize your spend
Change spend profile or swap cards — results update live below.
Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
Axis Bank Atlas Credit Card
Axis Bank
IDFC FIRST WOW Credit Card
IDFC FIRST Bank
Your adjusted comparison
| Feature | Axis Bank Atlas Credit Card Axis Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹5,000 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free |
| Min income | ₹50,000/mo | Not stated |
| Secured / FD-backed | Standard | FD-backed |
| Rewards | ||
| Net annual value (moderate) | ₹1,404/yr | ₹620/yr |
| Travel | ₹3,000 → 100 pts/mo × ₹0.40/pt = ₹40/mo (₹480/yr) | — |
| Top reward rate | 5 EDGE Miles/₹150 | 1X reward points |
| Primary reward cap | No monthly cap published | 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 |
| UPI rewards | Not supported (Visa/MC) | Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs |
| Key exclusions | EMI · Fuel · Rent · Wallet | Not stated |
| Bonuses | ||
| Signup bonus | ₹5,000 | — |
Stack mode (hold both)
Cap-aware split: ~₹1,754/yr combined NAV (₹350 vs best solo). Both annual fees apply.
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https://cardhungry.com/in/en/compare/axis-atlas-vs-idfc-first-wowReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Axis Bank Atlas Credit Card leads IDFC FIRST WOW Credit Card by about ₹784/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | Axis Bank Atlas Credit Card Axis Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹5,000 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free |
| Min income | ₹50,000/mo | Not stated |
| Secured / FD-backed | Standard | FD-backed |
| Rewards | ||
| Net annual value (moderate) | ₹1,404/yr | ₹620/yr |
| Travel | ₹3,000 → 100 pts/mo × ₹0.40/pt = ₹40/mo (₹480/yr) | — |
| Top reward rate | 5 EDGE Miles/₹150 | 1X reward points |
| Primary reward cap | No monthly cap published | 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 |
| UPI rewards | Not supported (Visa/MC) | Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs |
| Key exclusions | EMI · Fuel · Rent · Wallet | Not stated |
| Bonuses | ||
| Signup bonus | ₹5,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST WOW 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 ₹1,404/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank Atlas Credit Card lists a minimum monthly income of ₹50,000.
- Which cards are secured (FD-backed)?
- IDFC FIRST WOW Credit Card is secured — useful for thin credit files without a bureau pull at application.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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