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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.

Features

Axis Bank Atlas Credit Card
Axis Bank Atlas Credit Card
SBI ELITE Credit Card
SBI ELITE Credit Card
American Express Platinum Travel Credit Card
American Express Platinum Travel Credit Card

Fees & Charges

Joining Fee
₹5,000 + GST
₹4,999 + GST
₹5,000 + GST
Renewal Fee
₹5,000 + GST
₹4,999 + GST
₹5,000 + GST
Spend Based Waiver
Not Applicable
Annual renewal fee waived on achieving annual spends of Rs. 10 lakh or more.
Not available.
Foreign Transaction Fees
3.50% on foreign currency transactions; 1.5% for Dynamic Currency Conversion.
1.99% of the transaction amount on international usage.
3.5% of the transaction amount.
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).
3.5% per month (42% annually) on the due amount if the bill is not paid on time.

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.
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, 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.
Earn 1 Membership Rewards Point for every Rs. 50 spent. 3x on American Express Reward Multiplier Portal.
Reward Type
Reward Points
Reward Points
Reward Points
Reward Redemption Fee
₹99 per redemption transaction on EDGE portal; ₹199 for transfers to partner loyalty programs.
Rs. 99 + GST
Nil.

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.
8 complimentary visits per year to airport lounges across India (max 2 per quarter).
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).
Complimentary Priority Pass membership (fee waived), but lounge visits are chargeable (USD 35/32).
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.
Milestone Taj vouchers (worth Rs. 10k), points for flights/hotels/cars on Amex Travel Online portal.
Movie Benefits
Not Applicable
Free movie tickets worth Rs. 6,000 every year (max Rs. 250/ticket, 2 tickets/booking/month).
Not Applicable
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.
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 golf games, 1 free golf lesson/month (Mastercard).
Not Applicable
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.
0% convenience fee at HPCL for < Rs. 5,000. 1% surcharge for >= Rs. 5,000.

Security & Other

Insurance Benefits
Not Applicable
Complimentary Rs. 1 lakh fraud liability cover. Air accident cover (Rs. 1 Cr) discontinued 15 July 2025.
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, subject to a minimum charge of Rs. 500.
3.5% of transaction amount, minimum charge of Rs. 250.

Axis Bank Atlas Credit Card

SBI ELITE Credit Card

American Express Platinum Travel Credit Card

Who is it for?

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.

Pros

Key benefits and features.

Receive up to 40,000 bonus Membership Rewards points and a ₹10,000 Taj voucher annually.

Enjoy 8 complimentary domestic airport lounge accesses annually, a substantial benefit for travelers.

Get up to 20% discount on dining at various partner restaurants across India.

Most card transactions count towards achieving valuable milestone benefits with minimal exclusions.

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.

Cons

Key drawbacks and limitations.

Achieving optimal reward value is highly dependent on meeting the substantial Rs. 4 lakh annual spend.

The card lacks complimentary international lounge access; Priority Pass visits incur a usage fee.

This card unfortunately does not provide any comprehensive insurance benefits or travel coverage.

The base reward rate of 1 Membership Rewards Point for every Rs. 50 spent is quite modest.

Ready to Choose?

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