Axis Bank ACE Credit Card VS Axis Bank Atlas Credit Card VS Axis Bank Burgundy Private Credit Card VS Axis Bank Cashback Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Axis Bank ACE Credit Card
Axis Bank Atlas Credit Card
Axis Bank Burgundy Private Credit Card
Axis Bank Cashback Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
High cashback rates: 5% on Google Pay bills/recharges and 4% on Swiggy, Zomato, Ola.
Includes 4 complimentary domestic airport lounge accesses, rare for entry-level cards.
No maximum capping on the regular 1.5% cashback earned on all other spends.
Annual fee of ₹499 is easily waived off on an annual expenditure of ₹2,00,000.
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.
Exceptional value for high-net-worth individuals seeking a super-luxurious lifestyle.
Zero foreign currency markup and no cash advance fees make it ideal for global travel.
Unlimited complimentary lounge access for cardholders and 12 guests annually.
Exclusive memberships to premium hotel and dining programs like Club Marriott and Taj Epicure.
Enjoy 50 complimentary golf rounds annually, a significant perk for golf enthusiasts.
Pros
Key benefits and features.
Offers unlimited 0.75% cashback on all offline and travel spending.
Provides high cashback rates of up to 7% on online purchases.
Flexible eligibility criteria make this card accessible to many applicants.
Automatic cashback redemption process simplifies rewards management.
Cons
Key drawbacks and limitations.
No cashback on specific categories like fuel, wallet reloads, EMIs, gold items, and cash advances.
The accelerated 5% cashback on Google Pay is exclusively valid on the Android application.
Cashback earned at non-partner merchants (excluding key platforms) is a standard 1.5%.
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.
High joining and annual fees of ₹50,000 + GST, waived only for Burgundy Private account holders.
No reward points are earned on specific categories like government, gold, fuel, and utilities.
New fees on cumulative spends for wallet, fuel, education, and utilities effective from Dec 2024.
Strict eligibility criteria requiring a Total Relationship Value of Rs. 5 Crores or more.
Reward points on insurance spends are capped at 6,000 EDGE points monthly.
Cons
Key drawbacks and limitations.
The card does not offer a fuel surcharge waiver.
The spend threshold for the annual fee waiver is set quite high at ₹4 lakh.
Lacks premium features like complimentary airport lounge access or golf benefits.
Various transaction fees apply for rent, wallet load, fuel, education, and utilities.