Axis Bank Atlas vs SBI Card Miles Elite

SBI Card Miles Elite has the lower annual fee (₹4,999 against ₹5,000). Axis Bank Atlas has no spend waiver; SBI Card Miles Elite waives its fee on ₹15,00,000 of spend a year. For spends abroad, SBI Card Miles Elite charges the lower forex markup (1.99% plus GST). Which one earns more depends on where you spend. The Saifu app works it out on your own spends, on your phone.

Feature	Axis Bank AtlasAxis0 wins	SBI Card Miles EliteSBI Card4 wins · ahead
Annual fee	₹5,000	Lower₹4,999
Joining fee	₹5,000	Lower₹4,999
Fee waiver	No spend waiver	Waived on ₹15,00,000 spend a year
Rewards	5X EDGE Miles per ₹100 on travel; welcome benefit of 2,500 EDGE Miles; 1 EDGE Mile converts to 2 partner miles	6 Travel Credits per Rs. 200 spent on travel
Airport lounges	8 a year domestic, 4 a year international	More8 a year domestic, 6 a year international
Forex markup	3.5% plus GST	Lower1.99% plus GST
Points	EDGE Miles, about ₹1 a point	Travel Credits, about ₹0.5 a point
Published minimum income and age	Salaried ₹12,00,000 a year, self-employed ₹15,00,000 a year, age 18 to 70	Not published
Network	Not listed	Mastercard
Apply	Bank page	Bank page

Badges mark the lower fee, waiver spend or markup, and more lounge visits. Rewards are not scored here because they depend on where you spend. Affiliate link, costs you nothing extra, we may earn a commission, never changes how cards are ranked. Figures come from each bank's page and can change; check before you apply.

Add a third card Axis Bank Atlas SBI Card Miles Elite

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