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India's Premium Credit Cards Compared
Every cell below is either a verified fact traced to an official issuer source, or hedged as pending review. No confident numbers appear without a source.
Side by side
Annual fee
Pending review. Confirm on the Axis Bank card page before applying.
Pending review. Confirm on the American Express card page before applying.
Pending review. Confirm on the HDFC Bank card page before applying.
Joining fee
Pending review. Confirm on the Axis Bank card page before applying.
Pending review. Confirm on the American Express card page before applying.
Pending review. Confirm on the HDFC Bank card page before applying.
Fee waiver
Pending review. Confirm on the Axis Bank card page before applying.
Pending review. Confirm on the American Express card page before applying.
Pending review. Confirm on the HDFC Bank card page before applying.
Base reward earning
Pending review. Confirm on the Axis Bank card page before applying.
Pending review. Confirm on the American Express card page before applying.
Pending review. Confirm on the HDFC Bank card page before applying.
Welcome benefit
Pending review. Confirm on the Axis Bank card page before applying.
Pending review. Confirm on the American Express card page before applying.
Pending review. Confirm on the HDFC Bank card page before applying.
Lounge access
Pending review. Confirm on the Axis Bank card page before applying.
Pending review. Confirm on the American Express card page before applying.
Pending review. Confirm on the HDFC Bank card page before applying.
Dining benefits
Pending review. Confirm on the Axis Bank card page before applying.
Pending review. Confirm on the American Express card page before applying.
Pending review. Confirm on the HDFC Bank card page before applying.
Hotel benefits
Pending review. Confirm on the Axis Bank card page before applying.
Pending review. Confirm on the American Express card page before applying.
Pending review. Confirm on the HDFC Bank card page before applying.
Travel benefits
Pending review. Confirm on the Axis Bank card page before applying.
Pending review. Confirm on the American Express card page before applying.
Pending review. Confirm on the HDFC Bank card page before applying.
Forex markup
Pending review. Confirm on the Axis Bank card page before applying.
Pending review. Confirm on the American Express card page before applying.
Pending review. Confirm on the HDFC Bank card page before applying.
Partnership benefits
Pending review. Confirm on the Axis Bank card page before applying.
Pending review. Confirm on the American Express card page before applying.
Pending review. Confirm on the HDFC Bank card page before applying.
Transfer ratios
Transfer ratios are not shown here as a confident value — confirm the current ratio in your issuer account before transferring.
Transfer ratios are not shown here as a confident value — confirm the current ratio in your issuer account before transferring.
Transfer ratios are not shown here as a confident value — confirm the current ratio in your issuer account before transferring.
Redemption value (₹/point)
Point value varies by award, route and partner programme, so no rupees-per-point figure is published here.
Point value varies by award, route and partner programme, so no rupees-per-point figure is published here.
Point value varies by award, route and partner programme, so no rupees-per-point figure is published here.
Transfer partners
Each card's transfer partners render below, with the same trust rules as the card page.
Atlas Credit Card
Verified transfer partners
Where your points can go today
Only partners with a current official Axis Bank or partner-airline source are shown as available. Everything else is hedged or blocked so you never transfer on stale information.
Etihad Guest
Verified active1 EDGE Mile = 2 Etihad Guest miles (official).
Officially verified Axis Atlas transfer path to Etihad Guest. Confirm partner status and award availability before transferring.
Last checked: 2026-06-01
Official source: Etihad Guest — Axis Bank partner page (lists Atlas at 1 EDGE Mile = 2 Partner Miles)
Singapore Airlines KrisFlyer
Verified active1 EDGE Mile = 2 KrisFlyer miles (official).
Officially verified Axis Atlas transfer path to Singapore Airlines KrisFlyer. Confirm award availability before transferring.
Last checked: 2026-06-01
Official source: Axis Bank — Points/Miles Transfer Program
United MileagePlus
Verified active1 EDGE Mile = 2 MileagePlus award miles (official).
Officially verified Axis Atlas transfer path to United MileagePlus. Confirm partner status and award availability before transferring.
Last checked: 2026-06-01
Official source: United MileagePlus — credit card transfer page (India / Axis Bank / Atlas)
Not currently verified
Partners we will not show confidently
These partners are paused, removed, or lack current official evidence on the Axis Bank transfer page. We do not use blogs, forums, or archive snapshots for verification.
ALL — Accor Live Limitless
Temporarily unavailableAxis → ALL Accor transfers are listed by Accor with Atlas ratio metadata, but Accor currently says transfers are temporarily unavailable. Verify in the official portal before planning.
Last checked: 2026-06-01
Air Canada Aeroplan
Not officially verifiedNot currently listed as a live Axis Atlas transfer partner on official Axis or Aeroplan pages.
Last checked: 2026-06-01
Air France-KLM Flying Blue
Not officially verifiedNot currently listed as a live Axis Atlas transfer partner on official Axis or Flying Blue pages.
Last checked: 2026-06-01
Marriott Bonvoy
Not officially verifiedNot currently listed as a live Axis Atlas transfer partner on official Axis or Marriott pages.
Last checked: 2026-06-01
Qatar Airways Privilege Club (Avios)
Not officially verifiedNot currently listed as a live Axis Atlas transfer partner on official Axis or Qatar Airways pages.
Last checked: 2026-06-01
Platinum Card
Membership Rewards transfer partners
Where Membership Rewards points can transfer
We only show a partner as a confident transfer path when there is a current official American Express India source. The official Amex India Membership Rewards transfer page is JavaScript-rendered, so per-partner ratios are not yet officially verified here. Until then, every partner below is hedged.
Pending official verification
These are commonly requested Membership Rewards partner names, but LuxMilesClub has not yet captured an officially verified ratio from an official American Express India source. Do not transfer based on the partner name alone — always confirm the current ratio in your Amex India account before transferring, and confirm award seat availability with the airline first.
British Airways Executive Club (Avios)
2026-06-03Pending official verificationAir France-KLM Flying Blue
2026-06-03Pending official verificationHilton Honors
2026-06-03Pending official verificationIberia Plus (Avios)
2026-06-03Pending official verificationSingapore Airlines KrisFlyer
2026-06-03Pending official verificationMarriott Bonvoy
2026-06-03Pending official verificationQatar Privilege Club (Avios)
2026-06-03Pending official verification
Common questions
What is the annual fee on the Axis Bank Atlas Credit Card?
Officially traced: Rs. 5,000 (plus GST).
Key Fact Statement (Schedule of Charges) - Axis Bank Credit Cards (covers Atlas)What is the joining fee on the Axis Bank Atlas Credit Card?
Officially traced: Rs. 5,000 (plus GST).
Key Fact Statement (Schedule of Charges) - Axis Bank Credit Cards (covers Atlas)Is the Axis Bank Atlas Credit Card annual fee ever waived?
No spend-based annual fee waiver for Atlas (waiver column shows '-').
Key Fact Statement (Schedule of Charges) - Axis Bank Credit Cards (covers Atlas)How does the Axis Bank Atlas Credit Card earn rewards?
Welcome/base value: 1 EDGE Mile = Rs. 1.
Atlas Credit Card Features / Rewards (EDGE Miles) Terms & ConditionsWhat lounge access does the Axis Bank Atlas Credit Card include?
Domestic lounge visits: Silver 8, Gold 12, Platinum 18.
Atlas Credit Card Features / Rewards (EDGE Miles) Terms & ConditionsWhat welcome benefit does the Axis Bank Atlas Credit Card offer?
2500 EDGE Miles credited on successful completion of 1 transaction on the card within 37 days from date of card issuance (for cards sourced from 20 April 2024 onwards; applicable only for paid cards).
Atlas Credit Card Features / Rewards (EDGE Miles) Terms & ConditionsWhat are the transfer ratios for Axis Bank Atlas Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is the annual fee on the The Platinum Card?
Officially traced: ₹66,000 + applicable taxes.
American Express India — The Platinum Card pageHow does the The Platinum Card earn rewards?
1 Membership Rewards point per ₹40 spent.
American Express India — The Platinum Card pageWhat lounge access does the The Platinum Card include?
Access to 1400+ lounges across the globe with the Global Lounge Collection.
American Express India — Platinum Card benefits hubWhat welcome benefit does the The Platinum Card offer?
Welcome gift worth up to INR 60,000 with option to choose from Taj Hotels, Luxe Gift Card, The Postcard Hotels & Resorts (threshold not stated on official source).
American Express Platinum Charge Card product pageAre there any partnership benefits on the The Platinum Card?
Complimentary EazyDiner Prime membership — up to 50% off across 2,000+ restaurants in India and select international cities.
American Express India — The Platinum Card benefitsWhat are the transfer ratios for The Platinum Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is one point on the The Platinum Card worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
What is the annual fee on the HDFC Bank Infinia Credit Card Metal Edition?
Officially traced: Rs. 12,500 (Infinia Metal Edition Joining / Annual membership fee).
Most Important Terms & Conditions (MITC) - English (covers Infinia / Infinia Metal Edition)What is the joining fee on the HDFC Bank Infinia Credit Card Metal Edition?
Officially traced: ₹12,500 + applicable taxes.
HDFC Bank — Infinia Fees & ChargesIs the HDFC Bank Infinia Credit Card Metal Edition annual fee ever waived?
Renewal membership fee waived on spending Rs. 10 lakh or more in the preceding 12 months (excludes Cash on Call, Balance Transfer, Cash Withdrawal).
Most Important Terms & Conditions (MITC) - English (covers Infinia / Infinia Metal Edition)How does the HDFC Bank Infinia Credit Card Metal Edition earn rewards?
5 Reward Points per ₹150 spent.
HDFC Bank — Infinia Credit CardWhat lounge access does the HDFC Bank Infinia Credit Card Metal Edition include?
Unlimited complimentary Domestic airport lounge access in India (Primary & Add-on) by swiping the card at the lounge terminal (Rs. 2 debited and reversed).
HDFC Bank Infinia Credit Card Metal Edition product pageWhat are the transfer ratios for HDFC Bank Infinia Credit Card Metal Edition points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Spot something wrong or want a card verified?
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