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
₹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.