Axis Bank Atlas Credit Card vs Kotak NRI Royale Signature Credit Card
Joining Fees
₹5,000
₹1,000
Editor's Rating
4.3
3.6
Key Features
* As soon as you become an ATLAS Credit Cardholder, get to be part of the exclusive Silver membership tier that offers a various benefits. Moreover, the more you spend in your anniversary year, the membership tier will get upgraded
* Unlock additional benefits in Gold and Platinum tier memberships
* In an anniversary year, when touching Rs. 7.5L of spends, get upgraded to the Gold tier and when spending beyond Rs. 15L, get upgraded to the Platinum tier. Do note that each tier comes with base earn of 2 EDGE Miles per Rs. 100 spent and accelerated earn of 5 EDGE Miles per Rs. 100 spent on TRAVEL EDGE portal, direct airlines and direct hotel spends. Each tier comes with Milestone and Annual benefits in the form of EDGE Miles which can be redeemed
* Annual Benefit: Avail up to 10,000 EDGE Miles on completion of a year. Do note that 1 EDGE Mile is equal to Rs 1
* Milestone Benefits: Avail up to 10,000 EDGE Miles on achieving the Spends Milestone. Do note that 1 EDGE Mile is equal to Rs 1
* Earn 5 EDGE Miles on Travel per Rs 100 spend
* Earn 2 EDGE Miles on Other Spends- Get 2 EDGE Miles per Rs. 100 spent
* Domestic and International Lounge Access
* Concierge Services
* Dedicated Miles Transfer Prgram for all cardholders (Do note 1 EDGE Mile = 2 Partner Mile
* Enjoy dining proposition that provides 25% off up to Rs. 800 on dining restaurants via EazyDiner. This is valid on minimum order value of Rs. 2000 and twice per month per card
- Avail 2X rewards on spends outside India; i.e. avail 2 rewards points for every Rs. 200 spent
- Fuel Surcharge Waiver
- Railway Surcharge Waiver
- NRI Royale Shield
Editor's Review
Pros
* Miles Transfer Program: Easily convert EDGE Miles to program partner Miles. 1 EDGE Mile = 2 Partner Mile
* Enjoy dining proposition that provides 25% off up to Rs. 800 on dining restaurants via EazyDiner. This is valid on minimum order value of Rs. 2000 and twice per month per card
* 1% fuel surcharge waiver
Cons
* No golf benefits
* No Zero Liability Protection
* No Insurance Benefits
Pros
- This card is good for Indians who are residing overseas
- Freedom to purchase and pay in INR
- Complimentary access to Airport Lounges in India
Cons
- No Golf Privileges
- No Concierge Services
- This card isn’t good for those who desire a low foreign currency mark up card
