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Pick 2–3 cards and see fees, rewards, and benefits side by side. All data pulled from our reviews.
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| Feature | Amex Platinum ReserveApply | Axis AtlasApply |
|---|---|---|
| Issuer | American Express | Axis Bank |
| Network | Amex | Mastercard |
| Rating | ||
| Joining fee | ₹10,000 | ₹5,000 |
| Annual fee | ₹10,000 | ₹5,000 |
| Fee waiver | Renewal fee waived on ₹10L annual spend (plus taxes) | No annual fee waiver |
| Reward rate | 1 Membership Rewards point per ₹50 (excl. fuel, insurance, utilities, cash, EMI) | 5 EDGE Miles per ₹100 on travel; 2 per ₹100 on other eligible spends |
| Reward type | Membership Rewards | EDGE Miles |
| Welcome bonus | 11,000 MR points on ₹30,000 spend within the first 90 days | 2,500 EDGE Miles on first spend (within 37 days) |
| Domestic lounge | 12 visits/year (max 3 per quarter) | Up to 18/year, tier-based (Silver 8 / Gold 12 / Platinum 18) |
| Intl. lounge | Priority Pass — 2 international visits/year | Up to 12/year, tier-based, via Priority Pass |
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | Not a highlight | Not a highlight |
| Min. income | ₹6L/year+ | ₹12L/year (salaried) |
| Best for | DiningAirport loungesMilestone rewards | TravelMiles transferLounge access |