HDFC AllMiles vs Axis Bank Atlas Credit Card

• Accumulate Three reward points for every Rs 150 you spend
• 2x reward points will be given for hotel bookings, mobile recharge, and shopping
• On fuel transactions get 1% Fuel Surcharge waiver. Minimum transaction of Rs. 400, Maximum Cashback of Rd. 500 per statement cycle
• With the EMV Chip Card technology, you'll stay protected against unauthorized use of your credit card
• If you lost your credit card, be assured of zero liability after reporting the loss

* 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

Pros

• Get first year’s membership free by spending Rs 15,000 within the first 90 days
• Renew your membership free by spending Rs. 1,00,000 in a year
• Free access to over 600 exclusive airport lounges

Cons

• High-interest rate
• No golf privileges
• High renewal fees if you don’t spend Rs. 1 lakh in a year

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