Axis Atlas vs SBI Card MILES ELITE
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Both cards score 8.4/10 — your spending pattern decides the winner.
| Feature | Axis Atlas | SBI Card MILES ELITE |
|---|---|---|
| CardTrail Score | 8.4/10 | 8.4/10 |
| Annual Fee | ₹5,000 | ₹4,999 |
| Base Reward Rate | 2% | 1% |
| Max Reward Rate | 2.5% | 5% |
| Forex Markup | 3.5% | 1.99% |
| Domestic Lounges | 8 | 8 |
| International Lounges | 4 | 6 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa Signature |
When to Choose Axis Atlas
- You can meet the fee waiver condition: Spend ₹7.5L/year
- Your primary spend is: travel, miles
When to Choose SBI Card MILES ELITE
- You can meet the fee waiver condition: Spend ₹15L/year
- You travel internationally — saves ₹1,510/year on ₹1L forex spend
- You want higher rewards — up to 5% vs 2.5%
- Your primary spend is: travel, miles
Forex Cost Comparison
On ₹1,00,000 annual international spending: Axis Atlas costs ₹4,130 in forex fees vs SBI Card MILES ELITE at ₹2,348. You save ₹1,782/year with SBI Card MILES ELITE.
Annual Fee Value Analysis
To break even on Axis Atlas's ₹5,000 fee at 2% rewards, spend ₹20,833/month.
To break even on SBI Card MILES ELITE's ₹4,999 fee at 1% rewards, spend ₹41,658/month.