HDFC Platinum Times Credit Card vs Axis Bank Atlas Credit Card

• HDFC Bank Times Platinum Credit Card is enabled for contactless payments
• Fuel Surcharge Waiver
• Zero liability on the lost card
• Get up to 50 days interest-free from the date of purchase (subject to the submission of the charge by the Merchant)
• The Reward points are valid for 2 years from the date of accumulation
• You can register the Platinum Credit Card with SmartPay, HDFC Bank's Utility Bill payment service. With this service you’re ensured that all the utility bills are paid on time, conveniently and easily

* 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

• 25% off on movies and up to 20% off on dining participating restaurants
• Live GPS location-based offers 365 days on Times Card WebApp
• 3 Reward Points for every Rs. 150 spent; 10 Reward Points for Rs. 150 spent on weekday dining

Cons

• No complimentary Airport Lounge access  
• No Golf Privileges 

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