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Axis Bank Atlas Credit Card VS ICICI Bank Sapphiro 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.

Features

Axis Bank Atlas Credit Card
Axis Bank Atlas Credit Card
ICICI Bank Sapphiro Credit Card
ICICI Bank Sapphiro Credit Card

Fees & Charges

Joining Fee
₹5,000 + GST
₹6,500 + GST
Renewal Fee
₹5,000 + GST
₹3,500 + GST
Spend Based Waiver
Not Applicable
Annual fee waived if ₹6 lakh or more spent in preceding anniversary year.
Foreign Transaction Fees
3.50% on foreign currency transactions; 1.5% for Dynamic Currency Conversion.
3.5% + GST on all foreign currency transactions.
Interest Rate (APR)
3.75% per month (55.55% per annum) on retail purchases and cash advances.
3.75% interest per month (45% p.a.) on outstanding balances & cash withdrawals.

Rewards & Benefits

Welcome Bonus
2,500 EDGE Miles on first transaction within 37 days of Axis Bank Atlas card issuance.
Receive welcome vouchers worth over ₹14,500 including Tata CLiQ, EaseMyTrip, EazyDiner, Da Milano, Croma & Uber.
Rewards Rate
Earn 5 EDGE Miles per ₹100 on travel spends, 2 EDGE Miles per ₹100 on all other transactions.
4 RP/₹100 on international, 2 RP/₹100 on domestic, 1 RP/₹100 on utility & insurance.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 per redemption transaction on EDGE portal; ₹199 for transfers to partner loyalty programs.
₹99 + GST for rewards redemption.

Travel & Lifestyle

Domestic Lounge Access
8-18 complimentary visits per year based on Silver, Gold, or Platinum tier membership.
4 complimentary domestic airport lounge accesses per calendar quarter on spending ₹75,000.
International Lounge Access
4-12 complimentary visits per year based on Silver, Gold, or Platinum tier membership.
2 complimentary international airport lounge accesses annually + Priority Pass/DreamFolks membership.
Travel Benefits
Accelerated EDGE Miles on travel, lounge access, flight/hotel redemptions, partner miles transfers.
Concierge service for hotel & flight bookings. Comprehensive travel insurance benefits are also included.
Movie Benefits
Not Applicable
Buy One Get One Free movie ticket offer, up to ₹500 off on second ticket via BookMyShow, twice monthly.
Dining Benefits
Up to 25% off (Max ₹800) twice a month at partner restaurants via EazyDiner on ₹2,500+ spend.
15% saving on bills at over 2,500 partner restaurants via ICICI Bank Culinary Treats Programme.
Golf Benefits
Not Applicable
Complimentary golf rounds/lessons monthly (up to 4) based on ₹50,000 retail spend.
Fuel Surcharge Waiver
1% fuel surcharge (refunded for ₹400-₹4,000 transactions, max ₹400/cycle).
1% waiver on fuel transactions up to ₹4,000 (max ₹250 waiver/billing cycle).

Security & Other

Insurance Benefits
Not Applicable
Personal Air Accident Insurance (₹3 Cr), Credit Shield (₹50k), baggage insurance, travel inconveniences.
Cash Advance Charges
2.5% of cash amount, minimum ₹500.
2.5% of transaction amount or minimum ₹500, whichever is higher.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank Atlas Credit Card

ICICI Bank Sapphiro Credit Card

Who is it for?

The Axis Bank Atlas Credit Card is a premium, travel-focused credit card designed for frequent travelers, rewarding users with valuable EDGE Miles. It features a unique tiered membership system (Silver, Gold, Platinum) where benefits like accelerated rewards and extensive lounge access escalate with annual spending. This card offers favorable miles transfer ratios to partner airline and hotel loyalty programs, making it an excellent choice for those with significant domestic and international travel expenses.

Who is it for?

The ICICI Bank Sapphiro Credit Card is a premium offering for individuals who indulge in travel and lifestyle. It provides an array of privileges, attractive offers, and user-friendly features, ideal for frequent travelers seeking maximum savings, entertainment benefits, and exclusive welcome offers that often exceed the joining fee.

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.

Substantial welcome benefits worth over ₹14,500 effectively offset the ICICI Bank Sapphiro Credit Card's joining fee.

Offers complimentary domestic and international airport lounge access, ideal for frequent travelers.

Enjoy a generous 'Buy One Get One Free' movie ticket offer twice monthly via BookMyShow on this card.

Comprehensive insurance coverage provides peace of mind for air travel and other incidents with Sapphiro.

The 24x7 concierge service provides convenient assistance for lifestyle and travel needs to cardholders.

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.

The ICICI Bank Sapphiro Credit Card has a high foreign currency markup of 3.5% + GST.

A significant interest rate of 45% per annum is applicable on outstanding balances and cash advances.

Domestic lounge access with the Sapphiro Credit Card is conditional on spending ₹75,000 in the prior quarter.

A fee of ₹99 + GST is levied on every rewards redemption transaction for Sapphiro cardholders.

Ready to Choose?

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