Axis Bank Atlas Credit Card
Rs 5,000Annual fee
8Domestic lounge
Domestic lounge conditions
- Airport lounge access is tiered based on spending:
- Silver tier (entry-level / <3L spend): 8 domestic / 4 international lounge visits per anniversary year.
- Gold tier (7.5L spend): 12 domestic / 6 international lounge visits per anniversary year.
- Platinum tier (15L spend): 18 domestic / 12 international lounge visits per anniversary year.
- Airport lounge access is tiered based on spending:
- Silver tier (entry-level / <3L spend): 8 domestic / 4 international lounge visits per anniversary year.
- Gold tier (7.5L spend): 12 domestic / 6 international lounge visits per anniversary year.
- Platinum tier (15L spend): 18 domestic / 12 international lounge visits per anniversary year.
3.5%Forex markup
Best for
travel, hotels, flights
Top rewards
travel: 5 EDGE Miles per Rs 100; base: 2 EDGE Miles per Rs 100
HSBC TravelOne Credit Card
Rs 4,999Annual fee
Rs 8,00,000Fee waiver spend
6Domestic lounge
3.5%Forex markup
Best for
travel, airlines, hotels, lounge, miles
Top rewards
Hotels via HSBC: Up to 24 Reward Points / Rs 100; Flights via HSBC: Up to 16 Reward Points / Rs 100; Car rentals via HSBC: Up to 8 Reward Points / Rs 100
| Feature | Axis Bank Atlas Credit Card | HSBC TravelOne Credit Card |
|---|---|---|
| Issuer | Axis Bank | HSBC Bank |
| Network | Visa | Mastercard |
| Joining fee | Rs 5,000 | Rs 4,999 |
| Annual fee | Rs 5,000 | Rs 4,999 |
| Fee waiver spend | - | Rs 8,00,000 |
| Reward type | edge miles | reward points |
| Best for | travel, hotels, flights | travel, airlines, hotels, lounge, miles |
| Top reward categories | travel: 5 EDGE Miles per Rs 100; base: 2 EDGE Miles per Rs 100 | Hotels via HSBC: Up to 24 Reward Points / Rs 100; Flights via HSBC: Up to 16 Reward Points / Rs 100; Car rentals via HSBC: Up to 8 Reward Points / Rs 100 |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 8 | 6 |
| International lounge | 4 | 4 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | 2,500 EDGE Miles on annual spend of Rs 3 lakh., Additional 2,500 EDGE Miles on annual spend of Rs 7.5 lakh., Additional 5,000 EDGE Miles on annual spend of Rs 15 lakh. | 10,000 bonus reward points on annual spends above Rs 12 lakh |
| Redemption | Travel EDGE travel: upto Rs 1 per point; Air miles: upto Rs 2 per point | Air miles: upto Rs 1 per point |
| Key exclusions | fuel, rent, insurance, wallet load, government institutions, utilities | Utilities, Fuel, Tax payments, Real estate and property managers, Non-financial institutions, Money transfers |