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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.

Features

Axis Bank Atlas Credit Card
Axis Bank Atlas Credit Card
SBI ELITE Credit Card
SBI ELITE Credit Card

Fees & Charges

Joining Fee
₹5,000 + GST
₹4,999 + GST
Renewal Fee
₹5,000 + GST
₹4,999 + GST
Spend Based Waiver
Not Applicable
Annual renewal fee waived on achieving annual spends of Rs. 10 lakh or more.
Foreign Transaction Fees
3.50% on foreign currency transactions; 1.5% for Dynamic Currency Conversion.
1.99% of the transaction amount on international usage.
Interest Rate (APR)
3.75% per month (55.55% per annum) on retail purchases and cash advances.
3.75% Per Month (equivalent to 45% Per Annum).

Rewards & Benefits

Welcome Bonus
2,500 EDGE Miles on first transaction within 37 days of Axis Bank Atlas card issuance.
Welcome e-Gift Voucher worth Rs. 5,000, redeemable across select travel and lifestyle brands.
Rewards Rate
Earn 5 EDGE Miles per ₹100 on travel spends, 2 EDGE Miles per ₹100 on all other transactions.
5X RPs (10 RPs/Rs.100) on Dining, Dept. Stores, Groceries; 2 RPs/Rs.100 on other spends.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 per redemption transaction on EDGE portal; ₹199 for transfers to partner loyalty programs.
Rs. 99 + GST

Travel & Lifestyle

Domestic Lounge Access
8-18 complimentary visits per year based on Silver, Gold, or Platinum tier membership.
2 complimentary Domestic Airport Lounge visits every quarter in India.
International Lounge Access
4-12 complimentary visits per year based on Silver, Gold, or Platinum tier membership.
Complimentary Priority Pass membership; 6 international lounge visits/year (max 2/quarter).
Travel Benefits
Accelerated EDGE Miles on travel, lounge access, flight/hotel redemptions, partner miles transfers.
Complimentary lounge access, discounts on hotels (Lalit) & car rentals (Hertz, Avis), luxury hotel privileges.
Movie Benefits
Not Applicable
Free movie tickets worth Rs. 6,000 every year (max Rs. 250/ticket, 2 tickets/booking/month).
Dining Benefits
Up to 25% off (Max ₹800) twice a month at partner restaurants via EazyDiner on ₹2,500+ spend.
5X RPs on dining. Up to 25% off at partner restaurants & 15% off at Lalit Hotels.
Golf Benefits
Not Applicable
4 complimentary green fees, up to 50% off golf games, 1 free golf lesson/month (Mastercard).
Fuel Surcharge Waiver
1% fuel surcharge (refunded for ₹400-₹4,000 transactions, max ₹400/cycle).
1% waiver on fuel (Rs. 500-4000), capped at Rs. 250/month.

Security & Other

Insurance Benefits
Not Applicable
Complimentary Rs. 1 lakh fraud liability cover. Air accident cover (Rs. 1 Cr) discontinued 15 July 2025.
Cash Advance Charges
2.5% of cash amount, minimum ₹500.
2.5% of transaction amount, subject to a minimum charge of Rs. 500.

Axis Bank Atlas Credit Card

SBI ELITE Credit Card

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.

Provides significant welcome benefits worth Rs. 5,000, offsetting the first-year annual fee.

Generous complimentary lounge access: 2 domestic/quarter, 6 international/year via Priority Pass.

Accelerated rewards on dining, groceries, and departmental store spends.

Versatile credit card with privileges across diverse categories, ideal for luxury lifestyle & travel.

The annual fee can be waived upon achieving an annual spend milestone of Rs. 10 lakhs.

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.

Base reward rate of 0.5% on general expenditures is low compared to rival premium cards.

High annual fee of Rs. 4,999 may be a disadvantage if waiver criteria aren't met or benefits underutilized.

Specific benefits like golf or dining offers are often limited to certain card variants.

Ready to Choose?

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