Axis Bank Atlas Credit Card Vs Axis Bank Select Credit Card

Last Updated : April 3, 2025, 12:29 p.m.

In today's competitive credit card market, Axis Bank offers two premium options that cater to different lifestyle needs: the Axis Bank Atlas Credit Card and the Axis Bank Select Credit Card . While both cards come with attractive benefits, they serve distinct purposes and user profiles. The Atlas Credit Card is primarily designed for frequent travelers, offering EDGE Miles that can be redeemed against partner air miles or hotel loyalty points at an impressive 1:2 ratio. In contrast, the Select Credit Card provides more versatile EDGE reward points redeemable through a rewards catalogue at a value of Rs. 0.20 per point. With different joining fees, lounge access benefits, and reward structures, choosing between these two premium offerings requires careful consideration of your spending habits and lifestyle preferences. This comprehensive comparison will help you determine which card aligns better with your financial goals and travel needs. After choosing a card on the basis of your analytical comparison, do a free CIBIL score check on Wishfin. The CIBIL score is a very important eligibility criteria that credit card issuers look into to approve your application. So, it is recommended to check your credit score in order to know if you meet the issuer’s criteria to avoid rejection. If your score is lower than required, take steps to improve it to the required level and then apply for the credit card .

Comparing the Key features of the Axis Atlas and Select Credit Card

The Axis Bank Atlas Credit Card is primarily travel-focused, offering tiered benefits based on your spending and a robust rewards program with EDGE Miles. The Select Credit Card, on the other hand, provides a more balanced approach with strong retail shopping benefits along with travel perks.

Detailed Comparison

Fee Structure

The Atlas Credit Card comes with a higher annual fee (Rs. 5,000) compared to the Select Credit Card (Rs. 3,000). The Select card offers a complete annual fee waiver on spending Rs. 8 lakhs annually, the Atlas card doesn't provide a direct waiver option.

Rewards System

• Atlas Card: Focuses on travel with 2 EDGE Miles per Rs. 100 on regular spends and 5 EDGE Miles per Rs.100 on travel-related transactions. The unique feature is the Miles Transfer Program where 1 EDGE Mile equals 2 Partner Miles.
• Select Card: Offers 10 EDGE points on every Rs. 200 spent and double points on retail shopping transactions. Points accumulation is capped at 2X for spending up to Rs. 20,000 per month.

Lounge Access

• Atlas Card: Provides tiered lounge access based on your membership level (Silver, Gold, or Platinum). Access ranges from 4 international visits for Silver to 12 for Platinum tier members.
• Select Card: Offers 12 complimentary international lounge visits via Priority Pass membership and 2 domestic lounge visits per quarter upon spending Rs. 50,000 in the previous quarter

Tier Structure

The Atlas Credit Card features a unique tiered membership structure:

• Silver Tier: Default tier for new cardholders
• Gold Tier: Unlocked when annual spending reaches Rs. 7.5 lakhs
• Platinum Tier: Unlocked when annual spending reaches Rs. 15 lakhs

Each tier offers progressively better benefits, including more lounge visits and additional EDGE Miles.

Shopping and Dining Benefits

• Atlas Card: Primarily offers 25% off up to Rs. 800 at restaurants via EazyDiner.
• Select Card: Provides specific e-commerce benefits with Flat Rs. 500 off on BigBasket and Rs. 200 off on Swiggy, making it more suitable for everyday spending.

Travel Benefits

The Atlas card, designed specifically for travelers, offers:

• Concierge services
• Miles Transfer Program for airline partners
• Tiered international and domestic lounge access

The Select card provides:

• Priority Pass membership with 12 international lounge visits
• Travel insurance coverage
• Golf privileges (6 complimentary rounds per year)

Who Should Choose Which Card?

Ideal for Atlas Credit Card:

• Frequent travelers who can benefit from the Miles Transfer Program
• High spenders who can reach Gold or Platinum tier status
• Those who prioritize travel rewards over retail benefits
• Customers looking for flexible redemption options for airline miles

Ideal for Select Credit Card:

• Shoppers who want benefits on everyday purchases (BigBasket, Swiggy)
• Golf enthusiasts who will use the complimentary rounds
• Those who want a lower annual fee with the possibility of complete waiver
• Customers who prefer straightforward rewards without tier complications.

Conclusion

The Axis Bank Atlas Credit Card is clearly positioned as a premium travel credit card with tiered benefits that reward higher spending. Its unique EDGE Miles program and airline partnerships make it attractive for frequent travelers. The Axis Bank Select Credit Card offers a more balanced approach with strong retail shopping benefits, dining discounts, and sufficient travel perks. With its lower annual fee and waiver option, it presents better value for moderate spenders. Your choice should depend on your spending patterns and lifestyle preferences. If travel is your primary expense category, the Atlas Card might serve you better. For a more versatile card with everyday benefits and a lower fee structure, the Select Card would be the better option.