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Axis Bank Atlas Credit Card VS SBI Card Miles Elite

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 17 July 2026

Both SBI Card Miles Elite and Axis Bank Atlas Credit Card suit travel-focused spenders, but they earn and cost differently. SBI Card Miles Elite costs ₹4,999 + GST and earns 6 Travel Credits for every Rs. 200 spent on travel; 2 Travel Credits for every Rs. 200 on other purchases. Axis Bank Atlas Credit Card costs ₹5,000 + GST and earns 5 EDGE Miles for every ₹100 on travel spends; 2 EDGE Miles for every ₹100 on other transactions. SBI Card Miles Elite also brings 8 complimentary visits each year (max 2 per quarter). Additional visits on milestone spends, while Axis Bank Atlas Credit Card counters with up to 18 complimentary domestic lounge visits per annum based on membership tier (Silver: 8, Gold: 12, Platinum: 18). Weigh the fee against the reward rate above to see which fits your spending pattern better.

Axis Bank Atlas Credit Card
Axis Bank Atlas Credit Card
SBI Card Miles Elite
SBI Card Miles Elite

Fees & Charges

Joining Fee₹5,000 + GST
Joining Fee₹4,999 + GST
Renewal Fee₹5,000 + GST
Renewal Fee₹4,999 + GST
Spend Based WaiverNot applicable for annual fee waiver; annual benefits in form of EDGE Miles provided upon fee payment.
Spend Based WaiverAnnual Fee is reversed on spending Rs. 15 Lakh in a membership year.
Foreign Transaction Fees3.50% on foreign currency transactions; 1.5% on Dynamic Currency Conversion markup.
Foreign Transaction Fees1.99% on international usage.
Interest Rate (APR)3.75% per month (55.55% per annum) on retail purchases & cash advances.
Interest Rate (APR)3.50% Per Month (42% Per Annum)

Rewards & Benefits

Welcome Bonus2,500 EDGE Miles on first transaction within 37 days of card issuance.
Welcome BonusGet 5,000 Travel Credits on spends of Rs. 1 lakh within 60 days of card issuance.
Rewards RateEarn 5 EDGE Miles for every ₹100 on travel spends; 2 EDGE Miles for every ₹100 on other transactions.
Rewards RateEarn 6 Travel Credits for every Rs. 200 spent on travel; 2 Travel Credits for every Rs. 200 on other purchases.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST for EDGE portal redemption; ₹199 + GST for transfer to partner loyalty programs.
Reward Redemption FeeRs. 99

Travel & Lifestyle

Domestic Lounge AccessUp to 18 complimentary domestic lounge visits per annum based on membership tier (Silver: 8, Gold: 12, Platinum: 18).
Domestic Lounge Access8 complimentary visits each year (max 2 per quarter). Additional visits on milestone spends.
International Lounge AccessUp to 12 complimentary international lounge visits per annum based on membership tier (Silver: 4, Gold: 6, Platinum: 12).
International Lounge Access6 complimentary visits each year (max 2 per quarter). Complimentary Priority Pass membership.
Travel BenefitsFlexible miles transfer program to various airline and hotel loyalty partners; booking flights, hotels & experiences.
Travel BenefitsGenerous rewards on travel, lounge access, low foreign exchange markup, and comprehensive travel insurance.
Movie Benefits
Movie Benefits
Dining BenefitsUp to 25% off (max ₹800) twice a month at partner restaurants via EazyDiner on min spend of ₹2,500.
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver for transactions between ₹400-₹4,000, capped at ₹400 per cycle.
Fuel Surcharge Waiver1% Waiver (Maximum of Rs. 500 Per Month)

Security & Other

Insurance Benefits
Insurance BenefitsUp to 6 flight cancellations, lost card liability, air accident cover, and baggage insurance.
Cash Advance Charges2.5% of cash amount (Minimum ₹500).
Cash Advance Charges2.5% or Rs. 500 (Whichever is Higher)
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank Atlas Credit Card

SBI Card Miles Elite

Who is it for?

The Axis Bank ATLAS Credit Card is a premium, airlines-agnostic travel credit card designed to offer exclusive benefits to frequent travelers. It rewards users with EDGE Miles on every travel and other eligible spend, featuring a tiered membership system (Silver, Gold, Platinum) that unlocks enhanced rewards and lounge access based on annual spending. With a flexible miles transfer program to various airline and hotel loyalty partners, this card is an excellent option for individuals seeking to maximize rewards on their travel-related expenses, both domestically and internationally.

Who is it for?

The SBI Card Miles Elite is a premium travel credit card designed for frequent flyers, offering generous rewards on travel, extensive lounge access, and comprehensive travel insurance. It provides a welcome bonus of 5,000 Travel Credits and a low foreign exchange markup, making it ideal for those prioritizing travel benefits and global utility.

Pros

Key benefits and features.

Receive a generous welcome bonus of 2,500 EDGE Miles upon your first transaction.

Enjoy accelerated EDGE Miles earning on all travel-related transactions and bookings.

Benefit from a tiered system (Silver, Gold, Platinum) offering escalating rewards and lounge access.

Unlock attractive milestone benefits, providing bonus EDGE Miles upon achieving spend targets.

Utilize an excellent transfer ratio of 1 EDGE Mile to 2 Partner Points for various loyalty programs.

Pros

Key benefits and features.

Substantial welcome bonus of 5,000 Travel Credits on initial spends.

Extensive complimentary domestic and international airport lounge access.

Low foreign currency markup of 1.99% makes international spends economical.

Comprehensive travel insurance covers flight cancellations and baggage issues.

Available on RuPay network, enabling seamless UPI payments for convenience.

Cons

Key drawbacks and limitations.

The Axis Bank ATLAS Credit Card does not offer any golf or insurance benefits.

The complex tiered reward structure and numerous spend exclusions can be confusing for users.

The card carries a significant joining and annual fee of ₹5,000 + GST.

A high foreign currency markup of 3.50% applies to international transactions.

Additional fees are levied for reward redemption and miles transfer to partner programs.

Cons

Key drawbacks and limitations.

Reward earning rate on general spends is not highly competitive compared to peers.

Lacks specific additional benefits for popular categories like movies or dining.

High joining and renewal fees of Rs. 4,999 + taxes may deter some users.

Travel Credits have varying redemption values, which can be confusing for users.

Complimentary Priority Pass membership is only valid for the first two years.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Axis Bank Atlas Credit Card(opens in new tab)Apply for SBI Card Miles Elite(opens in new tab)