IRCTC SBI Card Premier vs Axis Bank Atlas Credit Card

• Avail Movie Voucher worth 500 from BookMyShow on spends of Rs. 2000 within the first 60 days 
• Get 10% back on AC1, AC2, AC3, AC CC as reward points for ticket purchases on www.irctc.co.in
• Get 5% back Air ticket purchases on www.air.irctc.co.in
• Get 5% back E-catering purchases on www.ecatering.irctc.co.in
• Earn 3 Reward Points per 125 spent on Dining and standing instructions on Utility spends

* 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                                                                                                                                                                                                                                                                                                                                                                                                   

• Complimentary Rail Accident Insurance of Rs. 10 Lakhs
• Avail accommodation at over 5,000 hotels, covering 350 cities in India
• 8 Complimentary Railway Lounge access in India                                                                                                          

Cons     

• No Complimentary Airport Lounge access                                                                                                                                                        
• No Golf/coaching sessions

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