American Express Platinum Travel Credit Card VS Axis Bank Atlas Credit Card VS HDFC Bank INFINIA Metal Credit Card
Comparing 3 cards side by side: American Express Platinum Travel Credit Card, Axis Bank Atlas Credit Card, HDFC Bank INFINIA Metal Credit Card. American Express Platinum Travel Credit Card costs ₹5,000 + GST and earns 1 Membership Rewards Point for every ₹50 spent. Axis Bank Atlas Credit Card costs ₹5,000 + GST and earns 5 EDGE Miles per ₹100 on travel spends, 2 EDGE Miles per ₹100 on all other transactions. HDFC Bank INFINIA Metal Credit Card costs ₹12,500 + GST and earns 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping. Compare the fee and reward differences above against your priority spend category — travel, dining, shopping, or fuel — to pick the right fit.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
American Express Platinum Travel Credit Card
Axis Bank Atlas Credit Card
HDFC Bank INFINIA Metal Credit Card
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Attractive milestone benefits, including substantial bonus MR points and Taj vouchers.
Provides 8 complimentary domestic airport lounge accesses per year (2 per quarter).
Complimentary Priority Pass membership with annual fee waived for international travel.
Membership Rewards points do not expire as long as the card remains active.
Offers up to 20% discount at select dining establishments and food delivery deals.
Pros
Key benefits and features.
Receive a generous welcome bonus of 2,500 EDGE Miles upon your first transaction.
Enjoy accelerated EDGE Miles earning on all travel-related transactions and bookings.
Benefit from a tiered system (Silver, Gold, Platinum) offering escalating rewards and lounge access.
Unlock attractive milestone benefits, providing bonus EDGE Miles upon achieving spend targets.
Utilize an excellent transfer ratio of 1 EDGE Mile to 2 Partner Points for various loyalty programs.
Pros
Key benefits and features.
Unlimited lounge access globally for primary and add-on cardholders via Priority Pass membership.
Enjoy unlimited complimentary golf games and coaching at premier courses across the world.
Highly rewarding with 5 Reward Points for every ₹150 spent, up to 10X on SmartBuy.
Valuable welcome & renewal benefits, including bonus RPs & complimentary Club Marriott membership.
Comprehensive insurance benefits, including air accidental death cover and overseas hospitalization.
Cons
Key drawbacks and limitations.
No complimentary international airport lounge access; Priority Pass visits are chargeable.
High foreign currency markup fee of 3.5% on international transactions.
Annual fee is not automatically waived based on spending; retention offers are discretionary.
Reward point value is lower for shopping vouchers or cash credit compared to travel.
Acceptance can be an issue at smaller merchants outside premium establishments.
Cons
Key drawbacks and limitations.
The Axis Bank ATLAS Credit Card does not offer any golf or insurance benefits.
The complex tiered reward structure and numerous spend exclusions can be confusing for users.
The card carries a significant joining and annual fee of ₹5,000 + GST.
A high foreign currency markup of 3.50% applies to international transactions.
Additional fees are levied for reward redemption and miles transfer to partner programs.
Cons
Key drawbacks and limitations.
The card is strictly invite-only, making it inaccessible to most potential applicants due to rigorous criteria.
Significant joining and renewal fees, though a waiver is possible with very high annual spending.
Reward points have monthly caps on grocery, telecom, and utility transactions, limiting earning potential.
Low cashback redemption value (₹0.30 per point) compared to higher value redemptions for travel.