Axis Bank Atlas Credit Card vs SBI ELITE Credit Card vs American Express Platinum Travel 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.
Fees & Charges
Joining Fee
₹5,000 + GST
₹4,999 + GST
Rs. 5,000 plus applicable taxes
Renewal Fee
₹5,000 + GST
₹4,999 + GST
Rs. 5,000 plus applicable taxes
Spend Based Waiver
Not Applicable
Renewal fee waived on annual spends of ₹10 lakh or more in the preceding year.
Not available.
Foreign Transaction Fees
3.50% of the transaction value; 1.5% for Dynamic Currency Conversion.
1.99% of the transaction amount.
3.5% 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).
3.5% per month (42% annually) on the due amount if the bill is not paid on time.
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.
Welcome Gift of 10,000 Membership Rewards points on spending Rs. 15,000 within 90 days.
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.
Earn 1 Membership Rewards Point for every Rs. 50 spent. 3x on American Express Reward Multiplier Portal.
Reward Type
EDGE Miles
Reward Points
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.
Nil.
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.
8 complimentary visits per year to airport lounges across India (max 2 per quarter).
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.
Complimentary Priority Pass membership (fee waived), but lounge visits are chargeable (USD 35/32).
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.
Milestone Taj vouchers (worth Rs. 10k), points for flights/hotels/cars on Amex Travel Online portal.
Movie Benefits
Not Applicable
Complimentary/discounted movie tickets up to ₹6,000 per year (max ₹250/ticket, 2 tickets per booking).
Not Applicable
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).
Enjoy exciting discounts of up to 20% every time you dine at select partner restaurants. Offers on Swiggy & Qmin.
Golf Benefits
Not Applicable
4 complimentary green fees, up to 50% off on games, 1 free lesson/month (MasterCard variant only).
Not Applicable
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).
0% convenience fee at HPCL for < Rs. 5,000. 1% surcharge for >= Rs. 5,000.
Security & Other
Insurance Benefits
Not Applicable
Complimentary lost card liability cover worth ₹1 lakh (48 hrs prior to 7 days after reporting).
No complimentary comprehensive insurance cover or travel-related insurance benefits are offered.
Cash Advance Charges
2.5% of cash amount (minimum ₹500).
2.5% of transaction amount, minimum ₹500.
3.5% of transaction amount, minimum charge of Rs. 250.