Axis Bank Atlas Credit Card vs Air India SBI Signature Credit Card
Axis Bank · SBI Card — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreVery Good
Annual Fee₹5,000
Max Reward5%
ScoreVery Good
Annual Fee₹4,999
Max Reward7.5%
Axis Bank Atlas Credit Card leads overall with a CardCheck Score of 78/100 (+2 pts over Air India SBI Signature Credit Card).
4-Pillar Head-to-Head Breakdown
Axis vs AirReward Power
35%Axis34/35
Air35/35
Air Wins
Fee Value & ROI
25%Axis18/25
Air18/25
Tie (18/25)
Lounge & Travel
20%Axis18/20
Air15/20
Axis Wins
Forex & Access
20%Axis8/20
Air8/20
Tie (8/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 78Best
- 76
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 34/35
- 35/35
- Fee Value & ROI (25%)
- 18/25
- 18/25
- Lounge & Travel (20%)
- 18/20
- 15/20
- Forex & Access (20%)
- 8/20
- 8/20
02—Basic Info
- Bank
- Axis Bank
- SBI Card
- Network
- Visa
- Visa
- Card type
- Premium
- Co-branded
- Best for
- Travel rewards — EDGE Miles for flights and hotel stays
- Air India loyalists — earn Flying Returns miles on everyday spend
03—Fees
- Joining fee
- ₹5,000
- ₹4,999Best
- Annual fee
- ₹5,000
- ₹4,999Best
- Fee waiver
- ₹7,50,000
- —
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 55.55%
- 45%Best
- APR (max)
- 55.55%
- 45%Best
- Late payment fee
- ₹1,200Best
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- miles
- points
- Min rate
- 2%Best
- 1%
- Max rate
- 5%
- 7.5%Best
- Points / ₹100
- 2
- 4Best
- Point value
- ₹1
- ₹1
- Monthly cap
- ₹2,00,000
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 4Best
- 2
- Lounge spend criteria
- No spend condition
- No spend condition
- Intl lounge / year
- 12Best
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- —
- ₹75,000
- Invite only
Rows won
05of 11
06of 11
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 78Best | 76 |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 34/35 | 35/35 |
| Fee Value & ROI (25%) | 18/25 | 18/25 |
| Lounge & Travel (20%) | 18/20 | 15/20 |
| Forex & Access (20%) | 8/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | SBI Card |
| Network | Visa | Visa |
| Card type | Premium | Co-branded |
| Best for | Travel rewards — EDGE Miles for flights and hotel stays | Air India loyalists — earn Flying Returns miles on everyday spend |
03—Fees Differences highlighted | ||
| Joining fee | ₹5,000 | ₹4,999Best |
| Annual fee | ₹5,000 | ₹4,999Best |
| Fee waiver | ₹7,50,000 | — |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 55.55% | 45%Best |
| APR (max) | 55.55% | 45%Best |
| Late payment fee | ₹1,200Best | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | miles | points |
| Min rate | 2%Best | 1% |
| Max rate | 5% | 7.5%Best |
| Points / ₹100 | 2 | 4Best |
| Point value | ₹1 | ₹1 |
| Monthly cap | ₹2,00,000 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 4Best | 2 |
| Lounge spend criteria | No spend condition | No spend condition |
| Intl lounge / year | 12Best | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | — | ₹75,000 |
| Invite only | ||
| Rows won | 05of 11 | 06of 11 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Axis Bank Atlas Credit Card | Air India SBI Signature Credit Card |
|---|---|---|
| CardCheck Score | 78/100Very Good | 76/100Very Good |
| Annual Fee | ₹5,000 | ₹4,999 |
| Fee Waiver Spend | ₹7.5L/yr | No waiver |
| Max Reward Potential | 5% | 7.5% |
| Domestic Lounge Access | 4 / quarter | 2 / quarter |
| International Lounge | 12 / year | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose Axis Bank Atlas Credit Card if:
Your spending centers around travel rewards — edge miles for flights and hotel stays and you want direct partner rewards with Axis Bank.
Choose Air India SBI Signature Credit Card if:
Your spending aligns with air india loyalists — earn flying returns miles on everyday spend and you prioritize SBI Card's redemption benefits.
Popular Comparisons for Axis Bank Atlas Credit Card
Direct side-by-side MITC term matchups
Popular Comparisons for Air India SBI Signature Credit Card
Direct side-by-side MITC term matchups
Frequently asked questions: Axis Bank Atlas Credit Card vs Air India SBI Signature Credit Card
- Which is better: Axis Bank Atlas Credit Card or Air India SBI Signature Credit Card?
- Axis Bank Atlas Credit Card holds a higher overall rating with a CardCheck Score of 78/100 (Very Good) compared to 76/100 (Very Good) for Air India SBI Signature Credit Card (a lead of +2 points). Axis Bank Atlas Credit Card gains its scoring lead primarily through lounge & travel privileges (18 vs 15) while tying on fee value & ROI and forex & terms.
- How do annual fees and fee waiver spend rules compare?
- Axis Bank Atlas Credit Card charges an annual fee of ₹5,000 with an annual spend threshold of ₹7.5 Lakh for renewal fee waiver. In comparison, Air India SBI Signature Credit Card charges an annual fee of ₹4,999 with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between Axis Bank Atlas Credit Card and Air India SBI Signature Credit Card?
- Axis Bank Atlas Credit Card offers a base reward rate of 2% and up to 5% on accelerated partner categories. Meanwhile, Air India SBI Signature Credit Card offers a base rate of 1% and up to 7.5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Axis Bank Atlas Credit Card or Air India SBI Signature Credit Card?
- Axis Bank Atlas Credit Card provides 4 complimentary domestic lounge visits per quarter (16/year) and 12 international lounge visits/year. On the other hand, Air India SBI Signature Credit Card provides 2 complimentary domestic lounge visits per quarter (8/year).
- Which card is better for international foreign currency spends?
- Axis Bank Atlas Credit Card levies a foreign currency markup fee of 3.5%, while Air India SBI Signature Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).