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IndiGo SBI Card ELITE vs Axis Bank Atlas

Reviewed by Chandan Kumar Dash

IndiGo SBI Card ELITE has the lower annual fee (₹4,999 against ₹5,000). For spends abroad, IndiGo SBI Card ELITE charges the lower forex markup (1.99% plus GST). On all three sample spends below, IndiGo SBI Card ELITE comes out ahead after fees. The Saifu app works it out on your own spends, on your phone.

FeatureIndiGo SBI Card ELITESBI Card4 wins · aheadAxis Bank AtlasAxis0 wins
Annual feeLower₹4,999₹5,000
Joining feeLower₹4,999₹5,000
Fee waiverNo spend waiverNo spend waiver
Rewards7% on IndiGo spends5X EDGE Miles per ₹100 on travel; welcome benefit of 2,500 EDGE Miles; 1 EDGE Mile converts to 2 partner miles
Airport loungesMore8 a year domestic, 6 a year international8 a year domestic, 4 a year international
Forex markupLower1.99% plus GST3.5% plus GST
PointsIndiGo BluChips, about ₹1 a pointEDGE Miles, about ₹1 a point
Published minimum income and ageNot publishedSalaried ₹12,00,000 a year, self-employed ₹15,00,000 a year, age 18 to 70
NetworkMastercardNot listed
ApplyBank pageApplyAffiliate link

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.

What each card earns in a year

Sample spenderIndiGo SBI Card ELITEAxis Bank Atlas
Everyday spender₹30,000 a monthMore₹761 a year₹5,760 rewards, less ₹4,999 fee₹640 a year₹5,640 rewards, less ₹5,000 fee
Online shopper₹50,000 a monthMore₹6,281 a year₹11,280 rewards, less ₹4,999 fee₹6,040 a year₹11,040 rewards, less ₹5,000 fee
Frequent traveller₹1,00,000 a monthMore₹26,321 a year₹31,320 rewards, less ₹4,999 fee₹25,120 a year₹30,120 rewards, less ₹5,000 fee
The sample spends and how this is worked out
  • Everyday spender, ₹30,000 a month: DMart ₹6,000, BigBasket ₹2,000, Swiggy ₹2,000, Zomato ₹1,500, Amazon ₹3,000, Flipkart ₹1,500, Bills paid on Google Pay ₹2,500, Airtel ₹1,000, Indian Oil ₹3,000, Restaurant (in person) ₹2,500, Uber ₹1,000, Other spends in shops ₹4,000.
  • Online shopper, ₹50,000 a month: Amazon ₹10,000, Flipkart ₹8,000, Myntra ₹3,000, Swiggy ₹4,000, Zomato ₹3,000, Blinkit ₹4,000, BookMyShow ₹1,500, Uber ₹2,000, Bills paid on Google Pay ₹3,000, Jio ₹1,000, Netflix ₹500, Restaurant (in person) ₹3,000, Other spends in shops ₹7,000.
  • Frequent traveller, ₹1,00,000 a month: MakeMyTrip ₹10,000, Cleartrip ₹5,000, IRCTC ₹2,000, IndiGo ₹10,000, Marriott Bonvoy hotels ₹8,000, Spends abroad ₹15,000, Uber ₹4,000, Restaurant (in person) ₹8,000, Amazon ₹10,000, Swiggy ₹5,000, DMart ₹8,000, Bills paid on Google Pay ₹4,000, Indian Oil ₹5,000, Other spends in shops ₹6,000.

Worked out with the same reward rules and caps the Saifu app uses. Points are counted at the cash value in the table above. The annual fee counts as waived when the spend reaches the waiver. Joining fees, welcome gifts and milestone vouchers are not counted. Your own spends will give different figures.

Common questions

Which is better, IndiGo SBI Card ELITE or Axis Bank Atlas?

On all three sample spends below, IndiGo SBI Card ELITE comes out ahead after fees. It depends on where you spend: compare the figures for the sample spender closest to you, or add your own spends in the Saifu app.

Which has the lower annual fee?

IndiGo SBI Card ELITE (₹4,999 against ₹5,000).

Add a third cardIndiGo SBI Card ELITEAxis Bank Atlas

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