American Express Platinum Travel Credit Card VS Axis Bank Atlas Credit Card VS SBI ELITE Credit Card
Comparing 3 cards side by side: American Express Platinum Travel Credit Card, Axis Bank Atlas Credit Card, SBI ELITE 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. SBI ELITE Credit Card costs ₹4,999 + GST and earns 5X RPs (10 RPs/Rs.100) on Dining, Dept. Stores, Groceries; 2 RPs/Rs.100 on other spends. 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
SBI ELITE 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.
The SBI ELITE Credit Card offers generous welcome benefits, including a ₹5,000 e-Gift Voucher.
Enjoy comprehensive lounge access with 2 domestic visits quarterly and 6 international visits annually.
The card provides extensive privileges across travel, dining, and shopping, making it a versatile choice.
Annual fee waiver on ₹10 lakhs annual spend is achievable for high spenders, offsetting the cost.
Excellent travel and lifestyle privileges cater perfectly to frequent travelers and luxury enthusiasts.
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 general reward rate of 0.5% on most spends is lower than some competing premium cards.
The high annual fee of ₹4,999 can be a drawback if the spend-based waiver condition is not met.
Add-on cardholders do not receive international lounge access, limiting benefits for family members.
The accelerated 10X reward points are capped monthly, limiting high earners from maximizing benefits.