Axis Bank Atlas Credit Card vs AmEx Platinum Travel Credit CardAxis Bank Atlas Credit Card vs AmEx Platinum Travel Credit Card

Axis Bank Atlas vs AmEx Platinum Travel Credit Card

Both the Axis Bank Atlas Credit Card and the American Express Platinum Travel Credit Card belong to the generic travel credit card category, specifically in the sub-premium segment. Although the Atlas Credit Card by Axis Bank is newer, the American Express Platinum Credit Card has had a longer tenure in the market. Both cards have the same annual membership fee of Rs. 5,000, with the AmEx Platinum Travel Card offering a discounted first-year membership fee of Rs. 3,500.

Considering the similar benefits and features provided by Axis Bank’s Atlas Credit Card and AmEx Platinum Travel Credit Card, as well as their matching annual membership fees, it’s sensible to meticulously compare the reward rates, features, and benefits offered by both cards.

Features and Benefits of Axis Bank Atlas Credit Card and AmEx Platinum Travel Credit Card

Axis Bank Atlas Credit Card:

  1. Recently launched by Axis Bank, the Atlas Credit Card is a versatile travel credit card suitable for frequent domestic and international travelers.
  2. The card earns Reward Points called Edge Miles, which can be redeemed for travel expenses on the Axis Bank Travel Edge portal or transferred to partner airlines’ frequent flyer programs.
  3. Annual fee: Rs. 5,000. Extra perks include access to airport lounges at no additional cost, a convenient airport pickup and drop-off service, and bonus miles rewarded upon reaching spending milestones.
  4. Card offered in three tiers: Silver, Gold, and Platinum. Upgrades corresponding to yearly expenditure: Achieve Gold status with a spending of Rs. 7.5 lakhs, and unlock Platinum status with Rs. 15 lakhs expenditure.
  5. Welcome gift: 5,000 Miles (worth Rs. 5,000) on three successful transactions within 60 days.
  6. Earning Miles: 5 Miles per Rs. 100 on travel, 2 Miles per Rs. 100 on foreign transactions, and 1 Mile per Rs. 100 on other categories.
  7. Renewal benefit: Bonus Miles based on membership tier—Silver: 2,500, Gold: 5,000, Platinum: 10,000.
  8. Bonus Miles on spend milestones: Rs. 3 lacs (2,500 Miles), Rs. 7.5 lacs (5,000 Miles), Rs. 15 lacs (10,000 Miles).
  9. Edge Miles can be redeemed for flights/hotels on Travel Edge portal or transferred to partner airlines—Air Vistara, Air Asia, Ethiopian Airlines, Turkish Airlines.
  10. Lounge access: Tier-dependent—Silver (8 domestic, 4 international), Gold (12 domestic, 6 international), Platinum (18 domestic, 12 international).
  11. Dining Delights program offers up to 20% discount at over 4,000 partner restaurants.

AmEx Platinum Travel Credit Card:

  1. American Express offers the Platinum Travel Credit Card, a mid-range travel-centric card with a Rs. 5,000 annual fee (Rs. 3,500 for the first year).
  2. Enjoy a warm welcome offer: Earn 10,000 Membership Rewards Points when you spend Rs. 5,000 within the first 60 days.
  3. Bonus Points on spend milestones: 15,000 Points (Rs. 7,500 value) on spending Rs. 1.9 lakh, Taj Stay Voucher worth Rs. 10,000, and 25,000 Points (Rs. 12,500 value) on spending Rs. 4 lakhs annually.
  4. You receive eight free visits to domestic airport lounges each year, with a maximum of two visits per quarter. Additionally, you’ll have access to Priority Pass membership, though it doesn’t include entry to international airport lounges.
  5. Dining benefits: Up to 20% discount at partner restaurants with Axis Bank’s Dining Delight program.

Comparison between Axis Bank Atlas Credit Card and AmEx Platinum Travel Credit Card

Axis Bank Atlas Credit Card:

  1. Reward Rate:
    • 5 Edge Miles per Rs. 100 on travel spends.
    • 2 Edge Miles per Rs. 100 on foreign currency transactions.
    • 1 Edge Mile per Rs. 100 on all other transactions.
  2. Reward Redemption:
    • Edge Miles redeemable for hotel/flight bookings via Axis Bank Travel Edge portal (1 Edge Mile = Re. 1).
    • Edge Miles have the flexibility to be exchanged for rewards within the frequent flyer programs of collaborating airlines.
  3. Welcome/Renewal Benefits:
    • 5,000 Edge Miles worth Rs. 5,000 on making 3 successful transactions within 60 days.
  4. Milestone Benefits:
    • Silver, Gold, and Platinum tier memberships based on annual expenditures.
    • Earn Bonus Membership Rewards Points and receive Taj Stay Vouchers when you reach certain spending milestones.
  5. Additional Benefits:
    • Additional Edge Miles based on annual expenditure.
    • Access to the lounge is granted to members across three tiers: Silver, Gold, and Platinum.
    • Enjoy savings of up to 20% off your dining expenses at select partner eateries.
  6. Membership Fee:
    • Rs. 5,000 per annum.
  7. Eligibility:
    • Minimum monthly income of Rs. 9 lacs (salaried) or Rs. 12 lacs per annum (self-employed).
    • Age requirement: 18 to 70 years.

AmEx Platinum Travel Credit Card:

  1. Reward Rate:
    • 2 Membership Rewards Point per Rs. 100.
  2. Reward Redemption:
    • Membership Rewards Points redeemable for shopping vouchers, credit card bill payment, or transfer to partner flight/hotel loyalty programs.
  3. Welcome/Renewal Benefits:
    • Receive a generous welcome gesture of 10,000 Membership Rewards Points.
  4. Milestone Benefits:
    • Bonus Membership Rewards Points on annual spending milestones.
    • Taj Stay Vouchers and additional Membership Rewards Points for specific expenditure levels.
  5. Additional Benefits:
    • Enjoy access to domestic lounges at no extra cost along with Priority Pass Membership.
    • Enjoy savings of up to 20% off when dining at our affiliated restaurants.
  6. Membership Fee:
    • Starting from the second year, there is an annual fee of Rs. 5,000. However, in the first year, there is a joining fee of Rs. 3,500.
  7. Eligibility:
    • Applicants, whether employed or self-employed, must demonstrate an annual income exceeding Rs. 6 lakh to meet the minimum requirement.
    • Age requirement: None specified.

Which credit card suits you best?

  • Both credit cards cater to the needs of frequent travelers, offering significant value.
  • The choice between Axis Bank Atlas Credit Card and AmEx Platinum Travel Card depends on your specific usage preferences.
  • For those focused on airline expenses, the Axis Bank Atlas Credit Card is ideal, providing Edge Miles that can be redeemed for flight and hotel bookings through Axis Bank’s Travel Edge portal.
  • If your preference leans towards luxury hotel stays, the AmEx Platinum Travel Card is a suitable option.
  • In summary, the Axis Bank Atlas Credit Card is advantageous for airline-related expenses, while the AmEx Platinum Travel Card is more beneficial for those seeking perks in hotel bookings. Your choice should align with your specific travel and spending preferences.

Frequently Asked Questions (FAQs)

Q: What distinguishes the Axis Bank Atlas Credit Card as its key features?

A: The Axis Bank Atlas Credit Card is tailored for frequent travelers, offering Edge Miles that can be redeemed for flight and hotel bookings through Axis Bank’s Travel Edge portal.

Q: What sets apart the AmEx Platinum Travel Credit Card from others?

A: The AmEx Platinum Travel Credit Card is renowned for its focus on luxury hotel stays. Individuals who hold the card have the opportunity to receive vouchers for Taj stays when they reach certain spending thresholds, presenting an attractive option for those who value luxurious lodging experiences.

Q: Which card is better for airline-related expenses?

A: The Axis Bank Atlas Credit Card is better suited for airline expenses, offering Edge Miles that specifically cater to flight and hotel bookings. These miles are versatile and can be transferred to partner airlines’ frequent flyer programs.

Q: Can I use Axis Bank Atlas Credit Card for purposes other than travel?

A: Yes, the Axis Bank Atlas Credit Card can be used for various expenses beyond travel. While it excels in providing travel-related benefits, it also serves as a versatile credit card for everyday transactions.

Q: What are the benefits provided by the AmEx Platinum Travel Credit Card for booking hotels?

A: The AmEx Platinum Travel Credit Card provides incentives for hotel bookings by granting Taj stay vouchers when certain spending thresholds are met. This feature makes it an attractive option for those who often enjoy luxury hotel accommodations.

Q: Are there any additional perks associated with these credit cards?

A: Both credit cards offer additional perks such as travel insurance, airport lounge access, and other exclusive privileges. The specific benefits may vary, so it’s advisable to review the terms and conditions of each card.

Q: Can I use Edge Miles from the Axis Bank Atlas Credit Card for hotel bookings?

A: Certainly! The Edge Miles accumulated with the Axis Bank Atlas Credit Card offer versatile redemption options. Beyond just flight reservations, cardholders can also utilize them for booking accommodations at hotels via Axis Bank’s Travel Edge portal, offering convenient flexibility in managing travel expenses.

Q: How does the American Express Platinum Travel Credit Card enhance the luxury travel experience?

A: The AmEx Platinum Travel Credit Card elevates travel experiences with its array of exclusive perks, including access to top-tier hotels and complimentary services. These benefits enhance the overall journey for cardholders, ensuring a luxurious travel experience like no other.

Q: Which card is more suitable for someone who travels frequently for business purposes?

A: Deciding between the Axis Bank Atlas Credit Card and the AmEx Platinum Travel Credit Card for business travel hinges on personal preferences. If your business trips primarily entail airline expenses, the Axis Bank Atlas Credit Card might be the optimal option. However, if you prioritize indulging in luxurious accommodations during your travels, then the AmEx Platinum Travel Credit Card could be the more fitting selection.

Q: How can I apply for either of these credit cards?

A: To acquire either the Axis Bank Atlas Credit Card or the AmEx Platinum Travel Credit Card, visit the official websites of Axis Bank and American Express, respectively. The procedure entails completing an online form and providing essential documentation.

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