What are the annual fees for Axis Bank Atlas Credit Card and Cashback SBI Credit Card?

Axis Bank Atlas Credit Card has ₹5,000 + GST. Cashback SBI Credit Card has ₹999 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

Axis Bank Atlas Credit Card earns about 2% on general spends; Cashback SBI Credit Card earns about 1%. Category and partner rates may differ — see the table above.

Do online and offline rewards differ between them?

Axis Bank Atlas Credit Card: same rate online and offline. Cashback SBI Credit Card: 5% online / 1% offline.

What is the forex markup on each card?

Axis Bank Atlas Credit Card: 3.5%. Cashback SBI Credit Card: 3.5% (plus 18% GST on the markup).

Do both cards include airport lounge access?

Axis Bank Atlas Credit Card: yes — see the lounge row above for limits. Cashback SBI Credit Card: none specified.

Card Comparison

Axis Atlas vs Cashback SBI

The key difference: 2% effective rate vs 1%. Axis Atlas vs Cashback SBIcompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

Axis Bank Atlas

Axis Bank

Fee₹5,000+GST

Eff. rate2%

CapCategory

Fee

₹5,000+GST

Eff. rate

Cap

How they compare

Axis Atlas and Cashback SBIsuit different spending patterns, so the right pick depends on where and how much you spend — the headline difference is called out at the top. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

Axis Atlas

Annual fee: ₹5,000 + GST
Everyday rate: 2%
Monthly cap: No cap

Notable strengths

No monthly reward cap

Cashback SBI

Annual fee: ₹999 + GST
Everyday rate: 1%
Monthly cap: ₹4,000/mo

Notable strengths

Strong online-shopping rewards (up to 5%)
Direct cashback — nothing to redeem

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

47 specs · 12 sections

Axis Bank Atlas

Cashback SBI

Feature

Axis Bank Atlas

Cashback SBI

Annual Fee

₹5,000

₹999

Joining Fee

₹5,000

₹999

Fee Waiver Spend

N/A

₹2,00,000

Forex Markup

3.5%

Reward Type

EDGE Miles

Cashback

Base Rate

Online Rate

Offline Rate

Effective Base Rate

Point Value

₹1

Redemption Quality

HIGH

Best Redemption

₹1

Worst Redemption

₹0.25

₹1

Grocery / Supermarkets

5% online / 1% offline

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

5% online / 1% offline

Flights, Hotels, OTAs, Tour Operators

5% online / 1% offline

Other Retail / Catch-all

5% online / 1% offline

Monthly Cap

Category caps apply

₹4,000

Est. Annual Cap

Category caps apply

₹48,000

Total Excluded

6 categories

12 categories

Railway / Train Tickets

Earns rewards

Excluded

Highway Tolls / FASTag

Earns rewards

Excluded

Gold / Jewellery

Earns rewards

Excluded

Education / School / College Fees

Earns rewards

Excluded

Domestic Visits/Year

None

International Visits/Year

None

Priority Pass

Yes

Est. Annual Value

₹6,820

—

Forex Markup

3.5%

Description

2,500 EDGE Miles on first transaction within 37 days of card issuance (for cards sourced from April 20, 2024 onwards)

—

Estimated Value

₹2,500

—

Fuel Surcharge Waiver

Yes

Best Suited For

Travel, Airline Miles

Online Shopping, Cashback

Min Income

₹1,00,000/month

₹30,000/month

Income Proof

Required

Not required

Secured FD

Accepting Applications

Yes

Network

Visa

Card Tier

Premium

Classic

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for Axis Bank Atlas Credit Card and Cashback SBI Credit Card?: Axis Bank Atlas Credit Card has ₹5,000 + GST. Cashback SBI Credit Card has ₹999 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: Axis Bank Atlas Credit Card earns about 2% on general spends; Cashback SBI Credit Card earns about 1%. Category and partner rates may differ — see the table above.
Do online and offline rewards differ between them?: Axis Bank Atlas Credit Card: same rate online and offline. Cashback SBI Credit Card: 5% online / 1% offline.
What is the forex markup on each card?: Axis Bank Atlas Credit Card: 3.5%. Cashback SBI Credit Card: 3.5% (plus 18% GST on the markup).
Do both cards include airport lounge access?: Axis Bank Atlas Credit Card: yes — see the lounge row above for limits. Cashback SBI Credit Card: none specified.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: Axis Bank - Axis Atlas · SBI Card - Cashback SBI