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Comparison · हिन्दी

SBI Miles Prime vs Axis Atlas

Both cards compared on real rupee returns for best airline agnostic travel miles card India. We ran the numbers so you can make the right call.

Last updated: · Based on current card terms
SBI
CARD MILES PRI
ASHOK KUMAR
VS
AXIS
ATLAS
ASHOK KUMAR
Our verdict
Axis Bank Atlas Credit Card wins for most people
Axis Atlas wins decisively with ₹6,880 annual benefit versus SBI Miles Prime's -₹479 loss. For this travel-heavy spend profile, Axis Atlas delivers superior value despite its higher fee.
Side-by-side comparison
SBI Card MILES PRIME Axis Bank Atlas Credit Card ✓
Annual benefit -₹479 ₹6,880
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹2,999 + taxes (waived on ₹10,00,000/year spend) ₹5,000 + taxes
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 4 Travel Credits per ₹200 on travel spends (1%); 2 Travel Credits per ₹200 on all others (0.5%); 25 airline/hotel transfer partners at 1:1 5 EDGE Miles per ₹100 on airlines, hotels and Travel EDGE bookings, on up to ₹2 lakh of travel spend a month (online travel agents earn 2); 2 EDGE Miles per ₹100 on other spends; 1 EDGE Mile = ₹1 on Travel EDGE; no miles on fuel, utilities, rent, wallets, insurance, government or gold
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 8 domestic visits/year (2 per quarter); 4 international visits/year (2 per quarter) via Priority Pass Tier-based: 8 domestic and 4 international visits a year at Silver tier; more at Gold (₹7.5 lakh annual spend) and Platinum (₹15 lakh)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2.5% 3.5%
Best for Airline-agnostic travel card with 25 transfer partners including Air India, Flying Blue and Aeroplan Travel miles and airport transfers
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹50,000/month (salaried) ₹9L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+ 750+
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When each card wins
SBI Card MILES PRIME
SBI Miles Prime works only if you can cross ₹10 lakh annual spend to waive the ₹2,999 fee. At ₹27,000/month (₹3.24L annually), you'll pay full fees, making this card uneconomical for your current spending.
Axis Bank Atlas Credit Card
Axis Atlas excels with your ₹15,000 monthly travel spend, earning 5 EDGE Miles per ₹100 on airlines and hotels. The card's higher fee pays for itself through travel rewards, delivering ₹6,880 net annual benefit.
Who should get which card
Get SBI Card MILES PRIME if you…
· Plan to spend ₹10+ lakh annually to waive the annual fee
· Value Axis Atlas's lower earning rate (0.5% non-travel) won't suit you
· Prefer airline-agnostic transfer partners like Flying Blue and Aeroplan
Get Axis Bank Atlas if you…
· Earn strong rewards (5%) on your ₹15,000/month travel spend
· Redeem miles via Travel EDGE or 25+ transfer partners
· Get positive annual benefit (₹6,880) after accounting for fees
Partner offer
IDFC FIRST Ashva Credit Card
Frequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the app
Apply now →
IDFC
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, Axis Bank Atlas Credit Card offers better annual returns for most spend profiles.
SBI Card MILES PRIME has an annual fee of ₹2,999 + taxes (waived on ₹10,00,000/year spend). Axis Bank Atlas Credit Card has an annual fee of ₹5,000 + taxes.
SBI Card MILES PRIME offers 4 Travel Credits per ₹200 on travel spends (1%); 2 Travel Credits per ₹200 on all others (0.5%); 25 airline/hotel transfer partners at 1:1. Axis Bank Atlas Credit Card offers 5 EDGE Miles per ₹100 on airlines, hotels and Travel EDGE bookings, on up to ₹2 lakh of travel spend a month (online travel agents earn 2); 2 EDGE Miles per ₹100 on other spends; 1 EDGE Mile = ₹1 on Travel EDGE; no miles on fuel, utilities, rent, wallets, insurance, government or gold.
SBI Card MILES PRIME lounge access: 8 domestic visits/year (2 per quarter); 4 international visits/year (2 per quarter) via Priority Pass. Axis Bank Atlas Credit Card lounge access: Tier-based: 8 domestic and 4 international visits a year at Silver tier; more at Gold (₹7.5 lakh annual spend) and Platinum (₹15 lakh).
SBI Card MILES PRIME charges 2.5% forex markup. Axis Bank Atlas Credit Card charges 3.5% forex markup.