Air India SBI Signature vs Axis Atlas
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Axis Atlas wins 4 of 8 dimensions with a CardTrail Score of 8.4/10 vs 7.6/10.
| Feature | Air India SBI Signature | Axis Atlas |
|---|---|---|
| CardTrail Score | 7.6/10 | 8.4/10 |
| Annual Fee | ₹4,999 | ₹5,000 |
| Base Reward Rate | 1.5% | 2% |
| Max Reward Rate | 4% | 5% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 8 | 8 |
| International Lounges | 0 | 4 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa Signature |
When to Choose Air India SBI Signature
- You can meet the fee waiver condition: Spend ₹5L/year
- Your primary spend is: travel, miles
When to Choose Axis Atlas
- You can meet the fee waiver condition: Spend ₹7.5L/year
- You want higher rewards — up to 5% vs 4%
- Your primary spend is: travel, miles
Annual Fee Value Analysis
To break even on Air India SBI Signature's ₹4,999 fee at 1.5% rewards, spend ₹27,772/month.
To break even on Axis Atlas's ₹5,000 fee at 2% rewards, spend ₹20,833/month.