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| Key facts | Axis Atlas | IndusInd Legend |
|---|---|---|
| Annual fee | ₹5,000 | Not listed |
| Joining fee | ₹5,000 | Not listed |
| Top reward rate | 5 EDGE Miles per ₹100 Spent on Travel | Not in our data |
| Base rewards | 2 EDGE Miles per ₹100 spent | Not in our data |
| Lounge access | 12 airport lounge visits (Gold tier) | Not listed |
| Forex markup | 3.5% | Not listed |
From issuer benefit data, checked 8 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
The Axis Bank Atlas Visa Credit Card offers a structured rewards program with EDGE Miles, lounge access, and milestone bonuses, while the Indusind Legend Mastercard Credit Card does not have benefits listed in our data. The Atlas card charges an annual fee and includes a forex markup and fuel surcharge waiver. The Indusind Legend card's fees and benefits are not listed in our data, so users should check with the issuer for details.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Axis Bank Atlas Visa Credit Card | Indusind Legend Mastercard Credit Card |
|---|---|---|
| Bank | Axis Bank | IndusInd Bank |
| Network | Visa | MasterCard |
| Joining fee | Joining Fee of Rs.5000 | — |
| Annual / renewal fee | Second Year Onwards Annual Fee of Rs.5000 | — |
| Top reward rate | Earn 5 EDGE Miles per Rs.100 Spent on Travel | — |
| Base rate (other spends) | Earn 2 EDGE Miles per Rs.100 spent | — |
| Lounge — domestic | Gold Tier - 12 Domestic Lounge Access | — |
| Lounge — international | Gold Tier - 6 International Lounge Access | — |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | — |
| Welcome benefit | Enjoy 2500 EDGE Miles as Welcome Benefit | — |
| Milestone benefit | Annual Benefits 2500 EDGE Miles - Gold Tier; Annual Benefits 5000 EDGE Miles - Platinum Tier | — |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | — |
Axis Bank Atlas Visa Credit Card clearly leads in rewards with a base earning of 2 EDGE Miles per Rs.100 spent and an accelerated 5 EDGE Miles per Rs.100 on travel-related expenses. It also offers a welcome benefit of 2500 EDGE Miles and milestone bonuses up to 10,000 EDGE Miles on higher spends. The Indusind Legend Mastercard Credit Card does not have rewards data listed in our data, so it cannot be evaluated for rewards comparison.
For travel benefits, Axis Bank Atlas Visa Credit Card provides significant value with 12 domestic and 6 international lounge accesses under its Gold Tier membership. It also charges a 3.5% forex markup fee and offers a 1% fuel surcharge waiver, which can be beneficial for frequent travelers. The Indusind Legend Mastercard Credit Card does not have travel-related benefits listed in our data.
The Axis Bank Atlas Visa Credit Card charges a joining and annual renewal fee of Rs.5000 each year from the second year onwards. The Indusind Legend Mastercard Credit Card's fee structure is not listed in our data, so users should verify fees directly with the issuer. Those sensitive to fees may want to confirm details before choosing.
Axis Bank Atlas Visa Credit Card offers milestone EDGE Miles bonuses at spends of Rs.3 Lakhs, Rs.7.5 Lakhs, and Rs.15 Lakhs annually, rewarding higher spenders with up to 10,000 additional EDGE Miles. This tiered milestone system can significantly boost rewards for frequent and high-value users.
The Axis Bank Atlas Visa Credit Card provides Gold Tier lounge access with 12 domestic and 6 international lounges, enhancing travel comfort. The Indusind Legend Mastercard Credit Card does not have lounge access benefits listed in our data.
Axis Bank Atlas Visa Credit Card charges a 3.5% forex markup on foreign currency transactions and offers a 1% fuel surcharge waiver, which can help reduce costs on fuel spends. The Indusind Legend Mastercard Credit Card's forex and fuel surcharge details are not listed in our data.
Consider Axis Bank Atlas Visa Credit Card if you want a credit card with a structured rewards program focused on travel and milestone bonuses, along with domestic and international lounge access. It suits users who spend significantly on travel and want to earn EDGE Miles with welcome and milestone benefits, and who are comfortable paying an annual fee for these perks.
Consider Indusind Legend Mastercard Credit Card if you prefer a card where fees and benefits are not listed in our data and want to check with the issuer for specific features. This card may appeal to those seeking a simple credit card or who want to explore options beyond the benefits currently detailed.
Yes, it offers Gold Tier access to 12 domestic lounges and 6 international lounges.
Yes, you receive 2500 EDGE Miles as a welcome benefit.
There is a joining fee of Rs.5000 and an annual renewal fee of Rs.5000 from the second year onwards.
Rewards and lounge benefits are not listed in our data for this card; please check with the issuer for details.
The forex markup fee is 3.5% on foreign currency transactions.
The Axis Bank Atlas Visa Credit Card offers a 1% fuel surcharge waiver; the Indusind Legend Mastercard Credit Card's fuel surcharge waiver is not listed in our data.