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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.

Features

Axis Bank Atlas Credit Card
Axis Bank Atlas Credit Card
American Express Platinum Travel Credit Card
American Express Platinum Travel Credit Card
HDFC Bank INFINIA Metal Credit Card
HDFC Bank INFINIA Metal Credit Card

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.

Axis Bank Atlas Credit Card

American Express Platinum Travel Credit Card

HDFC Bank INFINIA Metal Credit Card

Who is it for?

Who is it for?

Who is it for?

Pros

Key benefits and features.

Excellent choice for individuals with significant domestic and international travel expenses.

Unique tiered benefits system rewards higher spenders with enhanced privileges effectively.

Favorable 1:2 transfer ratio for EDGE Miles to diverse airline and hotel loyalty programs.

Complimentary access to numerous domestic and international airport lounges for comfort.

Awards additional bonus miles upon reaching specified annual spending milestones.

Pros

Key benefits and features.

Receive up to 40,000 bonus Membership Rewards points and a ₹10,000 Taj voucher annually.

Enjoy 8 complimentary domestic airport lounge accesses annually, a substantial benefit for travelers.

Get up to 20% discount on dining at various partner restaurants across India.

Most card transactions count towards achieving valuable milestone benefits with minimal exclusions.

Pros

Key benefits and features.

Unlimited lounge access globally for primary and add-on cardholders via Priority Pass membership.

Enjoy unlimited complimentary golf games and coaching at premier courses across the world.

Highly rewarding with 5 Reward Points for every ₹150 spent, up to 10X on SmartBuy.

Valuable welcome & renewal benefits, including bonus RPs & complimentary Club Marriott membership.

Comprehensive insurance benefits, including air accidental death cover and overseas hospitalization.

Cons

Key drawbacks and limitations.

Axis Bank Atlas Credit Card does not offer any golf or insurance benefits to cardholders.

A high foreign currency transaction fee of 3.5% can accumulate for international spends.

Fees apply for both reward redemption and for transferring miles to partners.

No EDGE Miles are earned on key spend categories like fuel, rent, utilities, and insurance.

Various transaction-specific fees for rent, wallet loads, education, and online gaming.

Cons

Key drawbacks and limitations.

Achieving optimal reward value is highly dependent on meeting the substantial Rs. 4 lakh annual spend.

The card lacks complimentary international lounge access; Priority Pass visits incur a usage fee.

This card unfortunately does not provide any comprehensive insurance benefits or travel coverage.

The base reward rate of 1 Membership Rewards Point for every Rs. 50 spent is quite modest.

Cons

Key drawbacks and limitations.

The card is strictly invite-only, making it inaccessible to most potential applicants due to rigorous criteria.

Significant joining and renewal fees, though a waiver is possible with very high annual spending.

Reward points have monthly caps on grocery, telecom, and utility transactions, limiting earning potential.

Low cashback redemption value (₹0.30 per point) compared to higher value redemptions for travel.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.