Axis Bank Atlas Credit Card Vs. SBI Card MILES Elite

Axis Bank Atlas Credit Card

Axis Bank Atlas Credit Card

SBI Card MILES Elite

SBI Card MILES Elite

Comparison of Axis Bank Atlas Credit Card and SBI Card MILES Elite

Feature	Axis Bank Atlas Credit Card	SBI Card MILES Elite
Annual Fee	₹5,000 + GST (~₹5,900)	₹4,999 + GST
Joining Fee	₹5,000 + GST (~₹5,900)	₹4,999 + GST
Welcome Benefits	Receive 2,500 EDGE Miles on completing your first transaction within 37 days of card issuance.	Earn 5,000 Travel Credits worth ₹5,000 on spending ₹1,00,000 within 60 days of card issuance.
Interest Rate (APR)	3.6% per month (43.2% annually)	N/A
Foreign Currency Markup	3.5% + GST (~4.13%)	N/A
Key Highlights	•Welcome Bonus •Accelerated Travel Rewards •Flexible Redemption •Three-Tier Membership •Dining Benefits •Airport Lounge Access	•Welcome Bonus •Travel Rewards •Milestone Benefits •Airport Lounge Access •Annual Fee Reversal
Dos	Prioritise direct airline and hotel bookings to earn 5 EDGE Miles per ₹100 Aim to achieve at least Gold tier (₹7.5 lakh annual spend) to justify the annual fee Plan partner transfers carefully to maximise the 1:2 conversion value Use the card for everyday non-excluded spending to reach tier milestones faster Pay your credit card bill in full and on time to avoid high interest charges	Focus spending on travel bookings to earn 6 Travel Credits per ₹200 Pay the credit card bill in full before the due date to avoid interest charges Utilise international lounge access through Priority Pass for overseas travel Track the ₹1 lakh spend milestones to unlock additional domestic lounge visits Monitor spend progress towards ₹12 lakh for 20,000 bonus Travel Credits
Don'ts	Do not use the card for rent, fuel, utilities, or insurance as these do not earn EDGE Miles Do not expect an annual fee waiver; plan for the ₹5,900 annual fee Do not book travel through third-party OTAs if possible; direct bookings give 5X rewards Do not exceed ₹2 lakh monthly travel spend without planning, as rewards drop to 2X Do not ignore Group A partner transfer caps of 30,000 miles	Avoid expecting rewards on fuel, wallet reloads, EMIs, and utility payments Do not miss the minimum payment to prevent late fees and credit score damage Forget to redeem Travel Credits within 24 months before they expire Overspend beyond repayment capacity just to achieve milestone benefits Share card details, CVV, OTP, or PIN with anyone, including those claiming to be from the bank

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