( Compare )
India's Premium Credit Cards Compared
Every cell below is either a verified fact traced to an official issuer source, or hedged as pending review. No confident numbers appear without a source.
Side by side
Annual fee
Rs. 5,000 (plus GST)
VerifiedKey Fact Statement (Schedule of Charges) - Axis Bank Credit Cards (covers Atlas)25 Jul 2026, 5:51 PM ISTAxis Bank
₹66,000 + applicable taxes
VerifiedAmerican Express India — The Platinum Card page7 Jun 2026, 4:26 PM ISTAmerican Express
Rs. 12,500 plus applicable taxes
VerifiedINFINIA Metal Edition product page30 Jul 2026, 6:20 AM ISTHDFC Bank
Joining fee
Rs. 5,000 (plus GST)
VerifiedKey Fact Statement (Schedule of Charges) - Axis Bank Credit Cards (covers Atlas)25 Jul 2026, 5:51 PM ISTAxis Bank
Pending review. Confirm on the American Express card page before applying.
Official source not yet captured
Rs. 12,500 plus applicable taxes
VerifiedMost Important Terms & Conditions (MITC) - covers Infinia (Metal Edition)30 Jul 2026, 6:20 AM ISTHDFC Bank
Fee waiver
No spend-based annual fee waiver for Atlas (waiver column shows '-'). Rent, Wallet load and other transactions are not eligible for spends counted in availing annual fee waiver.
VerifiedKey Fact Statement (Schedule of Charges) - Axis Bank Credit Cards (covers Atlas)25 Jul 2026, 5:51 PM ISTAxis Bank
Pending review. Confirm on the American Express card page before applying.
Official source not yet captured
Renewal fee waived on spending Rs. 10 lakh or more in the preceding 12 months (minimum spend Rs. 10 Lakh / Annum; excludes Cash on Call, Balance Transfer, Cash Withdrawal)
VerifiedINFINIA Metal Edition product page30 Jul 2026, 6:20 AM ISTHDFC Bank
Base reward earning
Welcome/base value: 1 EDGE Mile = Rs. 1. Earn 5 EDGE Miles per Rs. 100 spent on Travel (Axis Travel EDGE Portal, direct airline and direct hotel spends). Earn 2 EDGE Miles per Rs. 100 on other eligible spends (for transactions on/after 20 Dec 2022; 1 EDGE Mile per Rs. 100 before that date). Bookings via travel agents/OTAs earn only 2 EDGE Miles per Rs. 100 (base earn).
VerifiedAtlas Credit Card Features / Rewards (EDGE Miles) Terms & Conditions25 Jul 2026, 5:51 PM ISTAxis Bank
1 Membership Rewards point per ₹40 spent
VerifiedAmerican Express India — The Platinum Card page7 Jun 2026, 4:26 PM ISTAmerican Express
5 Reward Points for every Rs. 150 spent (transactions in multiples of Rs. 150; residual amounts or transactions below Rs. 150 do not earn Reward Points). Credit Card purchases via UPI mode earn reward points up to a maximum of 500 points per calendar month.
VerifiedMost Important Terms & Conditions (MITC) - covers Infinia (Metal Edition)30 Jul 2026, 6:20 AM ISTHDFC Bank
Welcome benefit
2500 EDGE Miles credited on successful completion of 1 transaction on the card within 37 days from date of card issuance (for cards sourced from 20 April 2024 onwards; applicable only for paid cards). For cards sourced 20 Dec 2022-20 Apr 2024: 5000 EDGE Miles on 1 transaction within 30 days. For cards before 20 Dec 2022: 5000 EDGE Miles on 3 transactions within 60 days.
VerifiedAtlas Credit Card Features / Rewards (EDGE Miles) Terms & Conditions25 Jul 2026, 5:51 PM ISTAxis Bank
Welcome gift worth up to INR 60,000 with option to choose from Taj Hotels, Luxe Gift Card, The Postcard Hotels & Resorts (threshold not stated on official source)
VerifiedAmerican Express Platinum Charge Card product page14 Aug 2026, 6:28 AM ISTAmerican Express
12,500 Reward Points upon fee realisation and card activation, plus complimentary Club Marriott membership for the first year (threshold not stated on official source)
VerifiedINFINIA Metal Edition product page30 Jul 2026, 6:20 AM ISTHDFC Bank
Lounge access
Domestic lounge visits: Silver 8, Gold 12, Platinum 18. International lounge visits: Silver 4, Gold 6, Platinum 12. Visits include primary cardholder and guests. Access on first come first serve basis; swipe card at lounge for access.
VerifiedAtlas Credit Card Features / Rewards (EDGE Miles) Terms & Conditions25 Jul 2026, 5:51 PM ISTAxis Bank
Access to 1400+ lounges across the globe with the Global Lounge Collection. The American Express Global Lounge Collection includes The Centurion Lounge, Priority Pass Lounges (International access only), Delta Sky Club Lounges when flying Delta, and Domestic Partner Lounges in India.
VerifiedAmerican Express India — Platinum Card benefits hub14 Aug 2026, 6:28 AM ISTAmerican Express
Within India: Infinia & Infinia (Metal Edition) Primary and Add-on cardholders get unlimited complimentary lounge access by swiping the credit card (Rs. 2 charged for Visa cardholders per visit, later reversed). Outside India: Complimentary Priority Pass membership for Primary and add-on cardholders with unlimited lounge access for priority pass card holder; any guest visit using Priority Pass charged at USD 27 + GST per visit per guest.
VerifiedMost Important Terms & Conditions (MITC) - covers Infinia (Metal Edition)30 Jul 2026, 6:20 AM ISTHDFC Bank
Dining benefits
Pending review. Confirm on the Axis Bank card page before applying.
Official source not yet captured
Complimentary EazyDiner Prime Membership
VerifiedAmerican Express India — The Platinum Card benefits page8 Jun 2026, 2:26 PM ISTAmerican Express
Pending review. Confirm on the HDFC Bank card page before applying.
Official source not yet captured
Hotel benefits
Pending review. Confirm on the Axis Bank card page before applying.
Official source not yet captured
Pending review. Confirm on the American Express card page before applying.
Official source not yet captured
Complimentary Club Marriott Membership for the first year (366 days from card issuance): up to 25% off Food & Beverage bill for up to 20 guests (select hotels 15%); up to 20% off Best Available Rate on rooms at participating Marriott hotels in India and Weekend Rates in Asia Pacific; 20% off Spa services at select Marriott managed spas in India; plus two one-time-use stay certificates (one 30% off Best Available Rate for max 2 consecutive nights; one room upgrade to next category). Complimentary Spouse Card available. Not renewed by HDFC Bank.
Verifiedharvested from product page30 Jul 2026, 6:20 AM ISTHDFC Bank
Travel benefits
Pending review. Confirm on the Axis Bank card page before applying.
Official source not yet captured
Overseas Medical Insurance: complimentary Overseas Medical Insurance for US$ 50,000 for the first seven days of your trip (Basic Cardmembers only). Meet & Greet services at 17 airports pan India.
VerifiedAmerican Express India — Platinum Card benefits hub14 Aug 2026, 6:28 AM ISTAmerican Express
Pending review. Confirm on the HDFC Bank card page before applying.
Official source not yet captured
Forex markup
Foreign Transaction Fee: 3.5% of Transaction Amount (Atlas falls under 'all other credit cards'). Dynamic Currency Conversion markup: 1.5% of Transaction Amount.
VerifiedKey Fact Statement (Schedule of Charges) - Axis Bank Credit Cards (covers Atlas)25 Jul 2026, 5:51 PM ISTAxis Bank
Pending review. Confirm on the American Express card page before applying.
Official source not yet captured
2% of transaction value on Foreign Currency Transactions
VerifiedMost Important Terms & Conditions (MITC) - covers Infinia (Metal Edition)30 Jul 2026, 6:20 AM ISTHDFC Bank
Partnership benefits
Pending review. Confirm on the Axis Bank card page before applying.
Official source not yet captured
Pending review. Confirm on the American Express card page before applying.
Official source not yet captured
Pending review. Confirm on the HDFC Bank card page before applying.
Official source not yet captured
Transfer ratios
Transfer ratios are not shown here as a confident value — confirm the current ratio in your issuer account before transferring.
Insufficient evidence
Transfer ratios are not shown here as a confident value — confirm the current ratio in your issuer account before transferring.
Insufficient evidence
Transfer ratios are not shown here as a confident value — confirm the current ratio in your issuer account before transferring.
Insufficient evidence
Redemption value (₹/point)
Point value varies by award, route and partner programme, so no rupees-per-point figure is published here.
Insufficient evidence
Point value varies by award, route and partner programme, so no rupees-per-point figure is published here.
Insufficient evidence
Point value varies by award, route and partner programme, so no rupees-per-point figure is published here.
Insufficient evidence
Transfer partners
Each card's transfer partners render below, with the same trust rules as the card page.
Atlas Credit Card
Verified transfer partners
Where your points can go today
Only partners with a current official Axis Bank or partner-airline source are shown as available. Everything else is hedged or blocked so you never transfer on stale information.
Etihad Guest
Verified active1 EDGE Mile = 2 Etihad Guest miles (official).
Officially verified Axis Atlas transfer path to Etihad Guest. Confirm partner status and award availability before transferring.
Last checked: 2026-06-01
Official source: Etihad Guest — Axis Bank partner page (lists Atlas at 1 EDGE Mile = 2 Partner Miles)
Singapore Airlines KrisFlyer
Verified active1 EDGE Mile = 2 KrisFlyer miles (official).
Officially verified Axis Atlas transfer path to Singapore Airlines KrisFlyer. Confirm award availability before transferring.
Last checked: 2026-06-01
Official source: Axis Bank — Points/Miles Transfer Program
United MileagePlus
Verified active1 EDGE Mile = 2 MileagePlus award miles (official).
Officially verified Axis Atlas transfer path to United MileagePlus. Confirm partner status and award availability before transferring.
Last checked: 2026-06-01
Official source: United MileagePlus — credit card transfer page (India / Axis Bank / Atlas)
Not currently verified
Partners we will not show confidently
These partners are paused, removed, or lack current official evidence on the Axis Bank transfer page. We do not use blogs, forums, or archive snapshots for verification.
ALL — Accor Live Limitless
Temporarily unavailableAxis → ALL Accor transfers are listed by Accor with Atlas ratio metadata, but Accor currently says transfers are temporarily unavailable. Verify in the official portal before planning.
Last checked: 2026-06-01
Air Canada Aeroplan
Not officially verifiedNot currently listed as a live Axis Atlas transfer partner on official Axis or Aeroplan pages.
Last checked: 2026-06-01
Air France-KLM Flying Blue
Not officially verifiedNot currently listed as a live Axis Atlas transfer partner on official Axis or Flying Blue pages.
Last checked: 2026-06-01
Marriott Bonvoy
Not officially verifiedNot currently listed as a live Axis Atlas transfer partner on official Axis or Marriott pages.
Last checked: 2026-06-01
Qatar Airways Privilege Club (Avios)
Not officially verifiedNot currently listed as a live Axis Atlas transfer partner on official Axis or Qatar Airways pages.
Last checked: 2026-06-01
Platinum Card
Membership Rewards transfer partners
Where Membership Rewards points can transfer
We only show a partner as a confident transfer path when there is a current official American Express India source. The official Amex India Membership Rewards transfer page is JavaScript-rendered, so per-partner ratios are not yet officially verified here. Until then, every partner below is hedged.
Pending official verification
These are commonly requested Membership Rewards partner names, but COFFER has not yet captured an officially verified ratio from an official American Express India source. Do not transfer based on the partner name alone — always confirm the current ratio in your Amex India account before transferring, and confirm award seat availability with the airline first.
British Airways Executive Club (Avios)
2026-06-03Pending official verificationAir France-KLM Flying Blue
2026-06-03Pending official verificationHilton Honors
2026-06-03Pending official verificationIberia Plus (Avios)
2026-06-03Pending official verificationSingapore Airlines KrisFlyer
2026-06-03Pending official verificationMarriott Bonvoy
2026-06-03Pending official verificationQatar Privilege Club (Avios)
2026-06-03Pending official verification
Common questions
What is the annual fee on the Axis Bank Atlas Credit Card?
Officially traced: Rs. 5,000 (plus GST).
Key Fact Statement (Schedule of Charges) - Axis Bank Credit Cards (covers Atlas)What is the joining fee on the Axis Bank Atlas Credit Card?
Officially traced: Rs. 5,000 (plus GST).
Key Fact Statement (Schedule of Charges) - Axis Bank Credit Cards (covers Atlas)Is the Axis Bank Atlas Credit Card annual fee ever waived?
No spend-based annual fee waiver for Atlas (waiver column shows '-').
Key Fact Statement (Schedule of Charges) - Axis Bank Credit Cards (covers Atlas)How does the Axis Bank Atlas Credit Card earn rewards?
Welcome/base value: 1 EDGE Mile = Rs. 1.
Atlas Credit Card Features / Rewards (EDGE Miles) Terms & ConditionsWhat lounge access does the Axis Bank Atlas Credit Card include?
Domestic lounge visits: Silver 8, Gold 12, Platinum 18.
Atlas Credit Card Features / Rewards (EDGE Miles) Terms & ConditionsWhat welcome benefit does the Axis Bank Atlas Credit Card offer?
2500 EDGE Miles credited on successful completion of 1 transaction on the card within 37 days from date of card issuance (for cards sourced from 20 April 2024 onwards; applicable only for paid cards).
Atlas Credit Card Features / Rewards (EDGE Miles) Terms & ConditionsWhat are the transfer ratios for Axis Bank Atlas Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is the annual fee on the The Platinum Card?
Officially traced: ₹66,000 + applicable taxes.
American Express India — The Platinum Card pageHow does the The Platinum Card earn rewards?
1 Membership Rewards point per ₹40 spent.
American Express India — The Platinum Card pageWhat lounge access does the The Platinum Card include?
Access to 1400+ lounges across the globe with the Global Lounge Collection.
American Express India — Platinum Card benefits hubWhat welcome benefit does the The Platinum Card offer?
Welcome gift worth up to INR 60,000 with option to choose from Taj Hotels, Luxe Gift Card, The Postcard Hotels & Resorts (threshold not stated on official source).
American Express Platinum Charge Card product pageAre there any partnership benefits on the The Platinum Card?
Complimentary EazyDiner Prime membership — up to 50% off across 2,000+ restaurants in India and select international cities.
American Express India — The Platinum Card benefitsWhat are the transfer ratios for The Platinum Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is one point on the The Platinum Card worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
What is the annual fee on the INFINIA Metal Edition?
Officially traced: Rs. 12,500 plus applicable taxes.
INFINIA Metal Edition product pageWhat is the joining fee on the INFINIA Metal Edition?
Officially traced: Rs. 12,500 plus applicable taxes.
Most Important Terms & Conditions (MITC) - covers Infinia (Metal Edition)Is the INFINIA Metal Edition annual fee ever waived?
Renewal fee waived on spending Rs. 10 lakh or more in the preceding 12 months (minimum spend Rs. 10 Lakh / Annum.
INFINIA Metal Edition product pageHow does the INFINIA Metal Edition earn rewards?
5 Reward Points for every Rs. 150 spent (transactions in multiples of Rs. 150; residual amounts or transactions below Rs. 150 do not earn Reward Points).
Most Important Terms & Conditions (MITC) - covers Infinia (Metal Edition)What lounge access does the INFINIA Metal Edition include?
Within India: Infinia & Infinia (Metal Edition) Primary and Add-on cardholders get unlimited complimentary lounge access by swiping the credit card (Rs. 2 charged for Visa cardholders per visit, later reversed).
Most Important Terms & Conditions (MITC) - covers Infinia (Metal Edition)What welcome benefit does the INFINIA Metal Edition offer?
12,500 Reward Points upon fee realisation and card activation, plus complimentary Club Marriott membership for the first year (threshold not stated on official source).
INFINIA Metal Edition product pageWhat are the transfer ratios for INFINIA Metal Edition points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is one point on the INFINIA Metal Edition worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
Spot something wrong or want a card verified?
( Continue exploring )