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
Rs. 5,000 plus applicable taxes
₹12,500 + Applicable Taxes (for Infinia Metal Edition)
Renewal Fee
₹5,000 + GST
Rs. 5,000 plus applicable taxes
₹12,500 + Applicable Taxes (for Infinia Metal Edition)
Spend Based Waiver
Not Applicable
Not available.
Spend ₹10 lakh or more in preceding 12 months to get renewal fee waived for the next year.
Foreign Transaction Fees
3.50% of the transaction value; 1.5% for Dynamic Currency Conversion.
3.5% of the transaction amount.
Lowest markup fee of 2% + GST (~2.36%) on all foreign currency transactions.
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.
1.99% per month or 23.8% annualized on the due amount for revolving credit.
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.
Complimentary Club Marriott membership for the first year & 12,500 bonus Reward Points upon fee realization.
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.
Earn 5 Reward Points on every ₹150 retail spend, up to 10x on Smartbuy (up to 3.3% rate).
Reward Type
EDGE Miles
Reward Points
Reward Points
Reward Redemption Fee
₹99 for each redemption on EDGE portal; ₹199 for each transfer to partner loyalty programs.
Nil.
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).
Unlimited complimentary airport lounge access in India for primary and add-on cardholders.
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).
Unlimited complimentary airport lounge access abroad via Priority Pass for primary and add-on cardholders.
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.
Unlimited lounge access, ITC hotel stay benefits, flight/hotel bookings via SmartBuy, and concierge.
Movie Benefits
Not Applicable
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.
Up to 20-25% discounts on dining with Club Marriott & FLAT 10% EXTRA OFF via Swiggy Dineout.
Golf Benefits
Not Applicable
Not Applicable
Unlimited complimentary golf lessons and games at leading courses globally with 100% green fee waiver.
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.
1% fuel surcharge waiver (₹400-₹1L transactions), max ₹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 cover (₹3 Cr), overseas hospitalization (₹50L), Credit Shield (₹9L).
Cash Advance Charges
2.5% of cash amount (minimum ₹500).
3.5% of transaction amount, minimum charge of Rs. 250.
NIL. Interest charges are applicable.