Do you have all these 3 cards?? If yes, you can use Au Zenith+ as it has lowest markup of the 3 (0.99%)
If you don't have these cards, I would suggest you to go for IDFC Wealth - as it is LTF or IDFC WOW which offers 0 Fx charges & LTF
Axis Atlas should be your last option as it charges highest Fx 3.50%.
Thank you! yes - I have all these 3 cards along with Niyo. Was looking at something which along with the rewards points will be net Positive after forex charges