Side-by-side · honest numbers
Axis Bank Atlas Credit Card vs IndianOil RBL Bank XTRA Credit Card
Honest side-by-side comparison of Axis Bank Atlas Credit Card, IndianOil RBL Bank XTRA 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
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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
IndianOil RBL Bank XTRA Credit Card
RBL Bank
Your adjusted comparison
| Feature | Axis Bank Atlas Credit Card Axis Bank | IndianOil RBL Bank XTRA Credit Card RBL Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹5,000 | ₹1,500 |
| Fee waiver threshold | No waiver published | Waived at ₹2,75,000/yr spend |
| Min income | ₹50,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹520/yr | ₹2,742/yr |
| Fuel | — | ₹900 → 135 pts/mo × ₹0.50/pt = ₹67.50/mo (₹810/yr) · issuer max ₹1,000/mo |
| Travel | ₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹2,00,000/mo | — |
| Top reward rate | 5 EDGE Miles/₹100 | 15 fuel points / ₹100 |
| Primary reward cap | ₹2,00,000 eligible spend/mo | ₹1,000 rewards/mo cap |
| 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 | Utilities · Insurance · Quasi-cash · Railways · Rent |
| Bonuses | ||
| Signup bonus | ₹2,500 | ₹1,500 |
Stack mode (hold both)
Cap-aware split: ~₹3,220/yr combined NAV (₹478 vs best solo). Both annual fees apply.
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https://cardhungry.com/in/en/compare/axis-atlas-vs-rbl-indianoil-xtraReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, IndianOil RBL Bank XTRA Credit Card leads Axis Bank Atlas Credit Card by about ₹2,222/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 | IndianOil RBL Bank XTRA Credit Card RBL Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹5,000 | ₹1,500 |
| Fee waiver threshold | No waiver published | Waived at ₹2,75,000/yr spend |
| Min income | ₹50,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹520/yr | ₹2,742/yr |
| Fuel | — | ₹900 → 135 pts/mo × ₹0.50/pt = ₹67.50/mo (₹810/yr) · issuer max ₹1,000/mo |
| Travel | ₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹2,00,000/mo | — |
| Top reward rate | 5 EDGE Miles/₹100 | 15 fuel points / ₹100 |
| Primary reward cap | ₹2,00,000 eligible spend/mo | ₹1,000 rewards/mo cap |
| 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 | Utilities · Insurance · Quasi-cash · Railways · Rent |
| Bonuses | ||
| Signup bonus | ₹2,500 | ₹1,500 |
Frequently asked questions
- Which card has the lower annual fee?
- IndianOil RBL Bank XTRA Credit Card has the lowest annual fee at ₹1,500.
- Which card earns more on moderate spend?
- IndianOil RBL Bank XTRA Credit Card leads with an estimated ₹2,742/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IndianOil RBL Bank XTRA Credit Card lists a minimum monthly income of ₹25,000.
- 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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