Axis Atlas vs SBI Card PRIME
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
SBI Card PRIME wins 2 of 8 dimensions with a CardTrail Score of 8.6/10 vs 8.4/10.
| Feature | Axis Atlas | SBI Card PRIME |
|---|---|---|
| CardTrail Score | 8.4/10 | 8.6/10 |
| Annual Fee | ₹5,000 | ₹2,999 |
| Base Reward Rate | 2% | 0.5% |
| Max Reward Rate | 5% | 5% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 8 | 8 |
| International Lounges | 4 | 4 |
| 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 PRIME
- You can meet the fee waiver condition: Spend ₹3L/year
- Your primary spend is: travel, dining, entertainment
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 PRIME's ₹2,999 fee at 0.5% rewards, spend ₹49,983/month.