Axis Bank Atlas Credit Card vs American Express Platinum Travel Credit Card vs HDFC Bank INFINIA Metal Credit Card
A detailed, side-by-side look at 3 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
₹12,500 + GST
Renewal Fee
₹5,000 + GST
₹5,000 + GST
₹12,500 + GST
Spend Based Waiver
Not Applicable
Not available.
Renewal fee waived on ₹10 lakhs or more spend in preceding 12 months for Metal Edition.
Foreign Transaction Fees
3.50% on foreign currency transactions; 1.5% for Dynamic Currency Conversion.
3.5% of the transaction amount.
2% + GST (~2.36%) on all foreign currency transactions.
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.
1.99% per month (23.8% annualized) on the due amount.
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.
Complimentary Club Marriott membership for 1st year & 12,500 bonus Reward Points on activation.
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.
Earn 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping.
Reward Type
Reward Points
Reward Points
Reward Points
Reward Redemption Fee
₹99 per redemption transaction on EDGE portal; ₹199 for transfers to partner loyalty programs.
Nil.
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).
Unlimited complimentary airport lounge access in India for primary and add-on cardholders.
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).
Unlimited complimentary airport lounge access globally via Priority Pass for primary & add-on.
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.
Complimentary Club Marriott & ITC Hotels stay offers; Redeem RP for flights/airmiles on SmartBuy.
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.
Complimentary Club Marriott membership; 1+1 buffet at ITC; FLAT 10% EXTRA OFF on Swiggy Dineout.
Golf Benefits
Not Applicable
Not Applicable
Unlimited complimentary golf lessons and games at leading courses across India and worldwide.
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.
1% waiver on transactions ₹400-₹1,00,000, capped at ₹1,000 per statement cycle.
Security & Other
Insurance Benefits
Not Applicable
No complimentary comprehensive insurance cover or travel-related insurance benefits are offered.
Accidental Air Death ₹3 Cr, Emergency Overseas Hospitalization ₹50 L, Credit Shield ₹9 L.
Cash Advance Charges
2.5% of cash amount, minimum ₹500.
3.5% of transaction amount, minimum charge of Rs. 250.
NIL, but interest charges are applicable from the date of cash advance.