Axis Bank Atlas Credit Card vs Tata Neu Plus SBI Credit Card

• Get to be part of the exclusive Silver membership tier that offers various benefits. Moreover, the more you spend in your anniversary year, the membership tier will get upgraded

• Unlock additional benefits in Gold and Platinum tier memberships
• In an anniversary year, when touching Rs. 7.5 Lakhs of spends, get upgraded to the Gold tier and when spending beyond Rs. 15 Lakhs, get upgraded to the Platinum tier. Do note that each tier comes with base earn of 2 EDGE Miles per Rs. 100 spent and accelerated earn of 5 EDGE Miles per Rs. 100 spent on TRAVEL EDGE portal, direct airlines and direct hotel spends. Each tier comes with Milestone and Annual benefits in the form of EDGE Miles which can be redeemed
• Annual Benefit: Avail up to 5,000 EDGE Miles on completion of a year
• Milestone Benefits: Avail up to 10,000 EDGE Miles on achieving the Spends Milestone
• Earn 5 EDGE Miles on Travel per Rs 100 spend
• Earn 2 EDGE Miles on Other Spends- Get 2 EDGE Miles per Rs. 100 spent
• Domestic & International Lounge Access
• Concierge Services
• Miles Transfer Program: Easily convert EDGE Miles to program partner Miles. 1 EDGE Mile = 2 Partner Mile
• Enjoy dining proposition that provides 25% off up to Rs. 800 on dining restaurants via EazyDiner. This is valid on minimum order value of  Rs. 2500 and once per month per card
• 1% fuel surcharge waiver

• Welcome benefits include getting 499 NeuCoins (worth Rs. 499) within 15 days of Joining Fee realisation
• Redeem these coins on Tata New App/Website and partner Tata Brands
• 2% value-back as NeuCoins on spends on Tata Neu App/Website and partner Tata Brands
• Extra 5% value-back as NeuCoins on select category spends on Tata Neu App/Website
• 1% value-back as NeuCoins on other spends
• 1% value-back as NeuCoins on UPI transactions (valid only on Rupay variant)
• 4 complimentary domestic airport lounge access every year ( maximum 1 per quarter) on quarterly spends of Rs. 50,000
• Annual fee waiver on spending Rs. 1 Lakh in the previous year
• 1% fuel surcharge across all petrol pumps in India, on transactions from Rs. 500 up to Rs. 4,000, up to Rs. 250 per month
• Tap & Pay with Ease: Tap the card on a secure reader for instant transactions
• Convert eligible purchases into easy monthly EMIs. This is applicable on transactions of Rs. 2,500 or more
• Pay electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
• Transfer outstanding balances of other banks’ credit cards to the Tata Neu Plus SBI Card at a lower interest rate and repay in easy EMIs

Pros

* Miles Transfer Program: Easily convert EDGE Miles to program partner Miles. 1 EDGE Mile = 2 Partner Mile

* Enjoy dining proposition that provides 25% off up to Rs. 800 on dining restaurants via EazyDiner. This is valid on minimum order value of Rs. 2000 and twice per month per card

* 1% fuel surcharge waiver

Cons

* No golf benefits

* No Zero Liability Protection

* No Insurance Benefits

Pros

• Welcome benefits worth the joining fee
• Up to 7% value-back as NeuCoins
• Enjoy benefits across multiple brands covering different spending categories
• 1% saving on UPI transactions with the Rupay variant

Cons

• No Golf Benefits
• No International Airport Lounge Access
• For some users brand benefits could be restricted
• No milestone or renewal benefits