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Axis Bank Atlas Credit Card vs SBI Card MILES PRIME Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

Axis Bank Atlas Credit Card versus SBI Card MILES PRIME compared
FeatureAxis Bank Atlas Credit CardAxis Bank Atlas Credit CardAxis Bank5 recent changes →
SBI Card MILES PRIMESBI Card MILES PRIMEState Bank of India4 recent changes →
Rewards by spend
Rewards4% on most spends; 10% only at partner merchants0.5% base, up to 1% on travel
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping4%0.5%
Dining and food delivery4%0.5%
Groceries4%0.5%
Travel: flights, hotels, trains4%; 10% only at Axis Travel EDGE portal,airline websites & counters,hotel websites & counters1%
FuelsameEarns nothingEarns nothing
Bills and rechargessameEarns nothingEarns nothing
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college fees4%Earns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currency4%0.5%
Everything else4%0.5%
Card identity
Card typesameTravelTravel
NetworksameMastercardMastercard
Card tiersamePremiumPremium
Fees
Joining fee₹5,000 + GST₹2,999 + GST
Annual fee₹5,000 + GST₹2,999 + GST
Fee waived at-₹10,00,000
Eligibility
Min age18 years21 years
Max agesame70 years70 years
Employment typesameBOTHBOTH
Min monthly salary₹1,00,000-
Rewards
Reward typesameAir milesAir miles
Point value₹2₹1
Fuel surcharge
Fuel surcharge waiverNoYes
Fuel waiver cap₹400₹250
Lounge access
Domestic lounge visits-8
International lounge visits-4
Lounge programmesamePRIORITY_PASSPRIORITY_PASS
Priority PasssameYesYes
Lounge conditionTier-based visits by annual spend (Silver 8 dom + 4 intl, Gold 12 + 6, Platinum 18 + 12). Two rare strengths: no quarterly-spend gate to unlock access, and guests enter against your remaining balance with no per-guest cap. Not a Priority Pass card8 domestic airport lounge visits/year (max 2/quarter) plus Priority Pass with 4 international visits/year. 1 extra domestic visit per ₹1 lakh spend, capped at 12/year. Priority Pass free for first 2 years
Forex and international
Forex markup3.5%2.5%
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Page content
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph
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Worth in Rupees at ₹20,000 a Month

Axis Bank Atlas Credit Card
Rewards a year
₹9,600
Fee a year
- ₹5,900
You keep
₹3,700
SBI Card MILES PRIME
Rewards a year
₹1,500
Fee a year
- ₹3,539
You keep
- ₹2,039

At this spend, Axis Bank Atlas Credit Card comes out ₹5,739 a year ahead of SBI Card MILES PRIME. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

Axis Bank Atlas Credit Card
  • Travel only at Axis Travel EDGE portal,airline websites & counters,hotel websites & counters: 10% back, up to ₹20,000 a month
  • Flyers: some airport lounge visits a year
SBI Card MILES PRIME
  • Frequent flyers
  • People who spend heavily on travel
  • Travellers who want Priority Pass access

Watch-Outs

Axis Bank Atlas Credit Card
  • Skip it if you spend less than ₹12,500 a month: below that the ₹5,900 fee costs more than the rewards
  • Skip it if most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
  • Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • Skip it if you rarely spend on Axis Travel EDGE portal,airline websites & counters,hotel websites & counters: the 10% rate applies only there, everything else earns 4%
SBI Card MILES PRIME
  • Fee waiver needs Rs 10 lakh a year, which most people will not reach
  • Base return of about 0.5% is low
  • Credits are worth the most only when redeemed for travel

Card data sourced via CardAdvisor.in (Axis Bank Atlas Credit Card, SBI Card MILES PRIME), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, Axis Bank Atlas Credit Card or SBI Card MILES PRIME?

SBI Card MILES PRIME. SBI Card MILES PRIME: ₹2,999; Axis Bank Atlas Credit Card: ₹5,000. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

SBI Card MILES PRIME has the lowest forex markup. SBI Card MILES PRIME: 2.5%; Axis Bank Atlas Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: Axis Bank Atlas Credit Card 4%, SBI Card MILES PRIME 0.5%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

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