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
Rs. 5,000 plus applicable taxes
Renewal Fee
₹5,000 + GST
Rs. 5,000 plus applicable taxes
Spend Based Waiver
Not Applicable
Not available.
Foreign Transaction Fees
3.50% of the transaction value; 1.5% for Dynamic Currency Conversion.
3.5% of the transaction amount.
Interest Rate (APR)
3.75% per month (55.55% per annum) for retail purchases & cash.
3.5% per month (42% annually) on the due amount if the bill is not paid on time.
Rewards & Benefits
Welcome Bonus
Enjoy 2,500 EDGE Miles as a welcome benefit upon first transaction within 37 days (for cards sourced from 20th April 2024 onwards).
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 (up to ₹2 Lakh/month); 2 EDGE Miles per ₹100 on other spends.
Earn 1 Membership Rewards Point for every Rs. 50 spent. 3x on American Express Reward Multiplier Portal.
Reward Type
EDGE Miles
Reward Points
Reward Redemption Fee
₹99 for each redemption on EDGE portal; ₹199 for each transfer to partner loyalty programs.
Nil.
Travel & Lifestyle
Domestic Lounge Access
Complimentary domestic lounge access, with visits increasing across Silver (8), Gold (12), Platinum (18) tiers annually.
8 complimentary visits per year to airport lounges across India (max 2 per quarter).
International Lounge Access
Complimentary international lounge access, with visits increasing across Silver (4), Gold (6), Platinum (12) tiers annually.
Complimentary Priority Pass membership (fee waived), but lounge visits are chargeable (USD 35/32).
Travel Benefits
Extensive benefits for frequent travelers; redeem EDGE Miles for flights/hotels; favorable transfer ratio to partner airlines/hotels.
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 minimum spend of ₹2,500.
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% waiver for transactions between ₹400-₹4,000, capped at ₹400 per statement 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.