Axis Bank Atlas Credit Card vs SBI ELITE 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.
Fees & Charges
Joining Fee
₹5,000 + GST
₹4,999 + GST
Renewal Fee
₹5,000 + GST
₹4,999 + GST
Spend Based Waiver
Not Applicable
Renewal fee waived on annual spends of ₹10 lakh or more in the preceding year.
Foreign Transaction Fees
3.50% of the transaction value; 1.5% for Dynamic Currency Conversion.
1.99% of the transaction amount.
Interest Rate (APR)
3.75% per month (55.55% per annum) for retail purchases & cash.
3.75% per month (45% per annum).
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).
Gift voucher worth ₹5,000 from brands like Yatra, Aditya Birla Fashion, Hush Puppies/Bata, Pantaloons, or Shoppers Stop.
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 10 RPs per ₹100 on dining, grocery, departmental stores (capped); 2 RPs on all other spends.
Reward Type
EDGE Miles
Reward Points
Reward Redemption Fee
₹99 for each redemption on EDGE portal; ₹199 for each transfer to partner loyalty programs.
₹99 + GST applies for rewards redemption.
Travel & Lifestyle
Domestic Lounge Access
Complimentary domestic lounge access, with visits increasing across Silver (8), Gold (12), Platinum (18) tiers annually.
2 complimentary visits to domestic airport lounges every quarter via Visa/MasterCard/AmEx networks.
International Lounge Access
Complimentary international lounge access, with visits increasing across Silver (4), Gold (6), Platinum (12) tiers annually.
6 complimentary international lounge visits per year (max 2 per quarter) with Priority Pass for primary.
Travel Benefits
Extensive benefits for frequent travelers; redeem EDGE Miles for flights/hotels; favorable transfer ratio to partner airlines/hotels.
Complimentary lounge access, hotel/car rental discounts, exclusive privileges at luxury hotels.
Movie Benefits
Not Applicable
Complimentary/discounted movie tickets up to ₹6,000 per year (max ₹250/ticket, 2 tickets per booking).
Dining Benefits
Up to 25% off (max ₹800) twice a month at partner restaurants via EazyDiner on minimum spend of ₹2,500.
Dining offers with up to 25% discount at partner restaurants (American Express variant only).
Golf Benefits
Not Applicable
4 complimentary green fees, up to 50% off on games, 1 free lesson/month (MasterCard variant only).
Fuel Surcharge Waiver
1% waiver for transactions between ₹400-₹4,000, capped at ₹400 per statement cycle.
1% waiver on transactions between ₹500-₹4,000 (max ₹250/month).
Security & Other
Insurance Benefits
Not Applicable
Complimentary lost card liability cover worth ₹1 lakh (48 hrs prior to 7 days after reporting).
Cash Advance Charges
2.5% of cash amount (minimum ₹500).
2.5% of transaction amount, minimum ₹500.