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YES Bank Updated 04 Jul 2026 ยท Data sourced from official bank MITC documents
American Express Platinum Travel is built around Membership Rewards (Taj vouchers on milestones), while Axis Bank Atlas leans on EDGE Miles (transferable). Pick based on which reward style matches your actual spending โ see the full breakdown below.
| Feature | American Express Platinum Travel Credit Card | Axis Bank Atlas Credit Card |
|---|---|---|
 |
 |
|
| Annual Fee | โน5,000 (renewal) | โน5,000 + GST |
| Renewal Fee Waiver | Verify current annual fee waiver condition on Amex India website; โน7.5 lakh spend unlocks Taj Stay voucher worth โน10,000 as milestone benefit | No spend-based waiver; EDGE Miles worth โน2,500 (Silver tier) or โน5,000 (Platinum tier) credited on renewal |
| Reward Type | Membership Rewards (Taj vouchers on milestones) | EDGE Miles (transferable) |
| Reward Rate | 1 Membership Rewards Point per โน50 on all eligible retail spends (base rate); 5X on HPCL fuel (5 MRPs per โน100); MRPs never expire; excludes insurance, utilities, EMI, cash | 5 EDGE Miles per โน100 on travel spends (flights, hotels, direct airline bookings) up to โน2 lakh/month; 2 EDGE Miles per โน100 on all other eligible spends; 60 EDGE Miles per โน200 on Travel EDGE portal bookings |
| Welcome Benefit | Priority Pass plus 8 domestic lounge visits per year | 2,500 EDGE Miles on first transaction |
| Lounge Access | 8 complimentary domestic airport lounge visits per year (2 per quarter) at partner lounges across India; complimentary Priority Pass membership โ IMPORTANT: Priority Pass lounge access charges USD 35 per visit; international lounges via Priority Pass are NOT free | Unlimited domestic airport lounge access (primary and add-on cardholders); 6 international lounge visits per year via Priority Pass (primary cardholder); tier-based additional visits for Gold and Platinum members |
| Forex Markup | 3.5% on international transactions | 2% + GST on international transactions |
| Milestone Rewards | โน1.9 lakh annual spend: IndiGo voucher OR 10,000 bonus MRPs; โน4 lakh spend: Taj or ITC or Oberoi hotel voucher OR 20,000 bonus MRPs; โน7.5 lakh spend: Taj Stay voucher worth โน10,000 OR 30,000 bonus MRPs; total potential milestone value โน15,000+ in vouchers or โน60,000 bonus MRPs | Silver tier (โน3L annual spend): 2,500 EDGE Miles bonus; Gold tier (โน7.5L): 5,000 EDGE Miles bonus; Platinum tier (โน15L): 10,000 EDGE Miles bonus. Higher tiers also unlock additional lounge visits and enhanced earning rates. |
| Insurance Cover | Zero liability on immediate reporting; travel insurance covers (check Amex terms) | Zero lost card liability on immediate reporting; travel insurance for baggage loss/delay |
| Fuel Surcharge Waiver | 0% convenience fee at HPCL on transactions below โน5,000; 1% fee on HPCL transactions โน5,000 and above | 1% fuel surcharge waiver on transactions between โน400 and โน4,000; maximum waiver โน500 per statement cycle |
| Eligibility | Age 18+ years; net annual income โน6 lakh or more; Indian resident; good credit history; resident of eligible Amex city | Age 18โ70 years; salaried or self-employed; minimum annual income โน6 lakh; strong credit history required. Note: Card currently not accepting new applications. |
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American Express Platinum Travel Credit Card
Frequent domestic travellers who stay at Taj and IHCL hotels; those who can spend โน1.9 lakh, โน4 lakh and โน7.5 lakh annually to unlock milestone benefits; Amex loyalists wanting travel-focused Membership Rewards On fees: โน5,000 (renewal). Rewards: Membership Rewards (Taj vouchers on milestones)
Read full review โAxis Bank Atlas Credit Card
Frequent travellers who prefer earning transferable airline miles over cashback; those who book flights and hotels directly or via Axis Travel EDGE portal On fees: โน5,000 + GST. Rewards: EDGE Miles (transferable)
Read full review โChoose American Express Platinum Travel Credit Card if you:
- Frequent domestic travellers who stay at Taj and IHCL hotels
- Want rewards structured as Membership Rewards (Taj vouchers on milestones)
- Value complimentary airport lounge access
- Want a strong welcome benefit (Priority Pass plus 8 domestic lounge visits per year)
Choose Axis Bank Atlas Credit Card if you:
- Frequent travellers who prefer earning transferable airline miles over cashback
- Want rewards structured as EDGE Miles (transferable)
- Value complimentary airport lounge access
- Want a strong welcome benefit (2,500 EDGE Miles on first transaction)