Side-by-side · honest numbers
Axis Bank Atlas Credit Card vs IndusInd Legend Credit Card
Honest side-by-side comparison of Axis Bank Atlas Credit Card, IndusInd Legend 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
IndusInd Legend Credit Card
IndusInd Bank
Your adjusted comparison
| Feature | Axis Bank Atlas Credit Card Axis Bank | IndusInd Legend Credit Card IndusInd 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 | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹1,404/yr | ₹936/yr |
| Travel | ₹3,000 → 100 pts/mo × ₹0.40/pt = ₹40/mo (₹480/yr) | — |
| Top reward rate | 5 EDGE Miles/₹150 | 1 reward point/₹100 |
| 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) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | ₹5,000 | — |
Stack mode (hold both)
Cap-aware split: ~₹1,506/yr combined NAV (₹102 vs best solo). Both annual fees apply.
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https://cardhungry.com/in/en/compare/axis-atlas-vs-indusind-legendReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Axis Bank Atlas Credit Card leads IndusInd Legend Credit Card by about ₹468/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 | IndusInd Legend Credit Card IndusInd 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 | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹1,404/yr | ₹936/yr |
| Travel | ₹3,000 → 100 pts/mo × ₹0.40/pt = ₹40/mo (₹480/yr) | — |
| Top reward rate | 5 EDGE Miles/₹150 | 1 reward point/₹100 |
| 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) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | ₹5,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- IndusInd Legend 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?
- IndusInd Legend 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.
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