Axis Bank Atlas Credit Card vs IDFC FIRST Millennia Credit Card
Compare Axis Bank Atlas Credit Card, IDFC FIRST Millennia Credit Card side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
Axis Bank •••• •••• •••• •••• Credit Card Compare Axis Bank Atlas Credit Card | IDFC FIRST Bank •••• •••• •••• •••• Credit Card Compare IDFC FIRST Millennia Credit Card |
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Card details
CardIQ
How we calculate scores| Overall | 49Fair | 62Good Highest |
|---|---|---|
| Airport lounge | 46/100 | – |
| Lifetime free | – | 73/100 |
| Rewards | 48/100Highest | 39/100 |
| Travel | 53/100 | 72/100Highest |
The basics
| Card tier | Not published | Not published |
|---|---|---|
| Card type | Not published | Not published |
| Credit rating | Not published | Not published |
| Rewards program | Axis Bank EDGE Miles | IDFC FIRST Bank Reward Points |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | 18 years old | Not published |
|---|---|---|
| Minimum income | ₹12,00,000 p.a. | ₹3,00,000 p.a.Lowest |
| Residency | Resident of India; primary cardholder aged 18 to 70; salaried with net annual income of ₹12 lakh and above or self-employed with net annual income of ₹15 lakh and above | Not published |
| Joint application | Not published | Not published |
| Temporary residents | Not published | Not published |
| Instant approval | Not published | Not published |
Repayments
| Interest-free period | Up to 50 daysHighest | Up to 45 days |
|---|---|---|
| Minimum repayment | Sum of all instalments, fees, interest and finance charges, taxes, any amount over the credit limit and 2% of the remaining balance outstanding, plus any unpaid minimum due from earlier statements; at least ₹100, or the total due if that is below ₹100 (Axis Bank MITC) | MITC: minimum amount due is the sum of EMI, interest (finance charges), fees, other charges and taxes, any amount over the limit, plus 2% of the principal balance outstanding (purchases, cash and balance transfer; 5% for statements before 1 September 2024); if the total amount due is under ₹100 the minimum due is the total amount due |
Rates & fees
Ongoing interest rates
| Purchases | 55.55% p.a. | 46.20% p.a.Lowest |
|---|---|---|
| Cash advances | 55.55% p.a. | 46.20% p.a.Lowest |
Fees
| Annual fee | ₹5,000 p.a. | No annual feeLowest |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | ₹0Lowest | ₹499 |
| Cash advance fee | 2.5% of the amount | — |
| Foreign transaction fee | 3.5% | 0%Lowest |
| Late payment fee | ₹1,300 | ₹1,300 |
Rewards
How many points could you earn?
Enter your monthly spend to see estimated annual points for each card below.
Earn rate
| Everyday spend | 2 EDGE Miles per ₹100 | 3 Reward Points per ₹200 |
|---|---|---|
| Bonus categories | 5 EDGE Miles per ₹100 in bonus categories, up to ₹2,00,000 per month | 10 Reward Points per ₹200 in bonus categories |
| Other purchases | None | 1 Reward Point per ₹200 on other purchases |
| Overseas spend | None | None |
| Reduced rate above monthly cap | 2 EDGE Miles per ₹100 | None |
| Points cap | Uncapped | Uncapped |
| Points expiry | — | 24 months from the date they are credited |
| Estimated annual points | 20,500 ptsWorth ₹20,500Highest | 13,500 ptsWorth ₹3,375 |
Sign-up bonus
| Sign-up bonus | 2,500 points | — |
|---|---|---|
| Bonus spend required | 1 transaction within 37 days of card issuance (cards sourced from 20 April 2024 onwards; paid cards only; 2,500 EDGE Miles, 1 EDGE Mile = ₹1) | — |
Related comparisons
Sources
- Credit Card Compare
- How CardIQ scores cards
- Issuers
- Axis BankIDFC FIRST Bank