Vyaya
Side-by-Side Comparison|Updated March 2026

Axis Bank Atlas Credit Card vs ICICI Bank Manchester United Signature Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Atlas Credit Card

8.8/10
Annual Fee₹5,000
Base Rewards2%
NetworkVisa
View Full Details

ICICI Bank

ICICI Bank Manchester United Signature Credit Card

6.5/10
Annual Fee₹2,499
Base Rewards0.25%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank Atlas Credit CardICICI Bank Manchester United Signature Credit Card
Annual Fee₹5,000₹2,499
Joining Fee₹5,000₹2,499
Fee Waiver SpendN/A₹2,50,000
Base Reward Rate2%0.25%
Reward CurrencyEDGE MilesICICI Reward Points
NetworkVisaVisa
Editor Rating8.8/106.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Atlas Credit Card

  • 5% on Direct Airlines — 10000 pts/month
  • 5% on Direct Hotels — 10000 pts/month
  • 5% on Travel EDGE Portal — 10000 pts/month

ICICI Bank Manchester United Signature Credit Card

  • 0% on Manchester United Match Days

Pros & Cons

Axis Bank Atlas Credit Card

Pros

  • High reward rate of 5 EDGE Miles per ₹100 on direct airline and hotel spends.
  • Flexible 1:2 transfer ratio to major airline and hotel partners like Accor, ITC, and United.
  • Unique tier-based system (Silver, Gold, Platinum) that rewards higher annual spending with more miles and lounge access.
  • Lounge access is sharable with guests, a rare feature in the Indian market.

Cons

  • High foreign currency markup of 3.5% despite being a travel-focused card.
  • Accelerated rewards on travel are capped at ₹2 Lakhs spend per month.
  • Excludes common categories like fuel, rent, insurance, and utilities from reward earning.

ICICI Bank Manchester United Signature Credit Card

Pros

  • Exclusive Manchester United branded welcome gift (Holdall and Football).
  • Accelerated 5 reward points per ₹100 spent on Manchester United match days.
  • Opportunity for top spenders to win a fully paid 'Manchester United Experience' at Old Trafford.
  • 25% discount on movie tickets twice a month on BookMyShow and INOX.

Cons

  • Lounge access requires a high spend of ₹75,000 in the previous calendar quarter.
  • High annual fee of ₹2,499 for a co-branded card with limited non-football benefits.
  • Reward points on rent, fuel, and utilities are heavily restricted or excluded.

Our Verdict

Axis Bank Atlas Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Manchester United Signature Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Atlas Credit Card if

Excellent for those who book directly with airlines and hotels and value flexible point transfers.

Choose ICICI Bank Manchester United Signature Credit Card if

Exclusive access to club merchandise, discounts at the Red Cafe, and chances to visit Old Trafford.

Frequently Asked Questions

Which is better: Axis Bank Atlas Credit Card or ICICI Bank Manchester United Signature Credit Card?
Axis Bank Atlas Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Manchester United Signature Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Atlas Credit Card and ICICI Bank Manchester United Signature Credit Card?
Axis Bank Atlas Credit Card has an annual fee of ₹5,000, while ICICI Bank Manchester United Signature Credit Card has an annual fee of ₹2,499. ICICI Bank Manchester United Signature Credit Card offers a fee waiver on ₹2,50,000 annual spend.
Which card has better rewards: Axis Bank Atlas Credit Card or ICICI Bank Manchester United Signature Credit Card?
Axis Bank Atlas Credit Card offers a base reward rate of 2% with accelerated rewards on Direct Airlines and Direct Hotels. ICICI Bank Manchester United Signature Credit Card offers 0.25% base rewards with bonuses on Manchester United Match Days. The better choice depends on your primary spending categories.
Can I have both Axis Bank Atlas Credit Card and ICICI Bank Manchester United Signature Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Atlas Credit Card and ICICI Bank Manchester United Signature Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Atlas Credit Card or ICICI Bank Manchester United Signature Credit Card?
For beginners, ICICI Bank Manchester United Signature Credit Card may be more approachable with a lower annual fee of ₹2,499. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

Axis Bank Atlas Credit Card vs Axis Bank Magnus Credit CardICICI Bank Manchester United Signature Credit Card vs Axis Bank Magnus Credit CardAxis Bank Atlas Credit Card vs ICICI Bank Manchester United Platinum Credit CardICICI Bank Manchester United Signature Credit Card vs ICICI Bank Manchester United Platinum Credit CardAxis Bank Atlas Credit Card vs SBI Card ELITEICICI Bank Manchester United Signature Credit Card vs SBI Card ELITE

Explore More

Axis Bank Atlas Credit Card Full ReviewICICI Bank Manchester United Signature Credit Card Full ReviewAll Axis Bank CardsAll ICICI Bank CardsBrowse All Credit CardsCredit Card Guides & Tips