What are the annual fees for Axis Bank Atlas Credit Card and Axis Bank Magnus Credit Card?

Axis Bank Atlas Credit Card has ₹5,000 + GST. Axis Bank Magnus Credit Card has ₹12,500 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

Axis Bank Atlas Credit Card earns about 2% on general spends; Axis Bank Magnus Credit Card earns about 1.2%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

Axis Bank Atlas Credit Card: 3.5%. Axis Bank Magnus Credit Card: 2% (plus 18% GST on the markup).

Do both cards include airport lounge access?

Axis Bank Atlas Credit Card: yes — see the lounge row above for limits. Axis Bank Magnus Credit Card: yes — see the lounge row above for limits.

Card Comparison

Axis Atlas vs Axis Magnus

The key difference: 2% effective rate vs 1.2%. Axis Atlas vs Axis Magnuscompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

Axis Bank Atlas

Axis Bank

Fee₹5,000+GST

Eff. rate2%

CapCategory

Fee

₹5,000+GST

Eff. rate

Cap

How they compare

Axis Atlas and Axis Magnussuit different spending patterns, so the right pick depends on where and how much you spend — the headline difference is called out at the top. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

Axis Atlas

Annual fee: ₹5,000 + GST
Everyday rate: 2%
Monthly cap: No cap

Notable strengths

No monthly reward cap

Axis Magnus

Annual fee: ₹12,500 + GST
Everyday rate: 1.2%
Monthly cap: No cap

Notable strengths

No monthly reward cap

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

45 specs · 12 sections

Axis Bank Atlas

Axis Bank Magnus

Feature

Axis Bank Atlas

Axis Bank Magnus

Annual Fee

₹5,000

₹12,500

Joining Fee

₹5,000

₹12,500

Fee Waiver Spend

N/A

₹25,00,000

Forex Markup

3.5%

Reward Type

EDGE Miles

Reward Points

Base Rate

1.2%

Online Rate

—

Offline Rate

—

Effective Base Rate

1.2%

Point Value

₹1

₹0.2

Redemption Quality

HIGH

MEDIUM

Best Redemption

₹1

₹0.4

Worst Redemption

₹0.25

₹0.15

Grocery / Supermarkets

1.2%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

1.2%

Flights, Hotels, OTAs, Tour Operators

Other Retail / Catch-all

1.2%

Monthly Cap

Category caps apply

Est. Annual Cap

Category caps apply

Total Excluded

6 categories

9 categories

Gold / Jewellery

Earns rewards

Excluded

Education / School / College Fees

Earns rewards

Excluded

EMI Transactions

Earns rewards

Excluded

Domestic Visits/Year

-1

International Visits/Year

-1

Priority Pass

Yes

Est. Annual Value

₹6,820

₹10,230

Forex Markup

3.5%

International Rate

Yes

Description

2,500 EDGE Miles on first transaction within 37 days of card issuance (for cards sourced from April 20, 2024 onwards)

Choice of Luxe gift card, The Postcard Hotels voucher, or Yatra voucher worth ₹12,500

Estimated Value

₹2,500

₹12,500

Fuel Surcharge Waiver

Yes

Best Suited For

Travel, Airline Miles

Travel, Dining, Shopping

Min Income

₹1,00,000/month

₹2,00,000/month

Income Proof

Required

Secured FD

Accepting Applications

Yes

Network

Visa

Visa, Mastercard

Card Tier

Premium

Super Premium

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for Axis Bank Atlas Credit Card and Axis Bank Magnus Credit Card?: Axis Bank Atlas Credit Card has ₹5,000 + GST. Axis Bank Magnus Credit Card has ₹12,500 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: Axis Bank Atlas Credit Card earns about 2% on general spends; Axis Bank Magnus Credit Card earns about 1.2%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: Axis Bank Atlas Credit Card: 3.5%. Axis Bank Magnus Credit Card: 2% (plus 18% GST on the markup).
Do both cards include airport lounge access?: Axis Bank Atlas Credit Card: yes — see the lounge row above for limits. Axis Bank Magnus Credit Card: yes — see the lounge row above for limits.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: Axis Bank - Axis Atlas · Axis Bank - Axis Magnus