Axis Bank Atlas Credit Card vs American Express Platinum Travel Credit Card
A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Fees & Charges
Joining Fee
₹5,000 + GST
₹5,000 + GST
Renewal Fee
₹5,000 + GST
₹5,000 + GST
Spend Based Waiver
Not Applicable
Not available.
Foreign Transaction Fees
3.50% on foreign currency transactions; 1.5% for Dynamic Currency Conversion.
3.5% of the transaction amount.
Interest Rate (APR)
3.75% per month (55.55% per annum) on retail purchases and cash advances.
3.5% per month (42% annually) on the due amount if the bill is not paid on time.
Rewards & Benefits
Welcome Bonus
2,500 EDGE Miles on first transaction within 37 days of Axis Bank Atlas card issuance.
Welcome Gift of 10,000 Membership Rewards points on spending Rs. 15,000 within 90 days.
Rewards Rate
Earn 5 EDGE Miles per ₹100 on travel spends, 2 EDGE Miles per ₹100 on all other transactions.
Earn 1 Membership Rewards Point for every Rs. 50 spent. 3x on American Express Reward Multiplier Portal.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 per redemption transaction on EDGE portal; ₹199 for transfers to partner loyalty programs.
Nil.
Travel & Lifestyle
Domestic Lounge Access
8-18 complimentary visits per year based on Silver, Gold, or Platinum tier membership.
8 complimentary visits per year to airport lounges across India (max 2 per quarter).
International Lounge Access
4-12 complimentary visits per year based on Silver, Gold, or Platinum tier membership.
Complimentary Priority Pass membership (fee waived), but lounge visits are chargeable (USD 35/32).
Travel Benefits
Accelerated EDGE Miles on travel, lounge access, flight/hotel redemptions, partner miles transfers.
Milestone Taj vouchers (worth Rs. 10k), points for flights/hotels/cars on Amex Travel Online portal.
Movie Benefits
Not Applicable
Not Applicable
Dining Benefits
Up to 25% off (Max ₹800) twice a month at partner restaurants via EazyDiner on ₹2,500+ spend.
Enjoy exciting discounts of up to 20% every time you dine at select partner restaurants. Offers on Swiggy & Qmin.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge (refunded for ₹400-₹4,000 transactions, max ₹400/cycle).
0% convenience fee at HPCL for < Rs. 5,000. 1% surcharge for >= Rs. 5,000.
Security & Other
Insurance Benefits
Not Applicable
No complimentary comprehensive insurance cover or travel-related insurance benefits are offered.
Cash Advance Charges
2.5% of cash amount, minimum ₹500.
3.5% of transaction amount, minimum charge of Rs. 250.