Axis Atlas vs SBI Cashback – Which Credit Card Gives Better Value in 2025?

Quick Answer According to CardMela.com

If you travel frequently and want to earn air miles, lounge access, and premium travel perks, Axis Atlas Credit Card is the better choice in 2025. But if you prefer a simple, no-hassle cashback structure on all your spends, the SBI Cashback Credit Card delivers better value for everyday expenses, especially for online shopping.

---

1. Overview Table – Axis Atlas vs SBI Cashback

Feature	Axis Atlas Credit Card	SBI Cashback Credit Card
Annual Fee	₹5,000 + GST	₹999 + GST
Welcome Benefit	5,000 EDGE Miles on joining	₹500 cashback on spends of ₹2,000 in first 30 days
Reward Rate	Up to 10 EDGE Miles/₹100 on travel spends	5% cashback on online spends, 1% on offline
Lounge Access	8 International + 8 Domestic per year	None
Travel Benefits	Air miles redemption, insurance cover, concierge	None
Cashback Benefits	Not primary focus	Core feature
Annual Fee Waiver	On annual spends of ₹7,50,000	On annual spends of ₹2,00,000

---

2. Rewards Earning Comparison

Axis Atlas Credit Card

• 10 EDGE Miles/₹100 on airline spends (direct booking)
• 5 EDGE Miles/₹100 on hotel & travel spends
• 2 EDGE Miles/₹100 on other spends
• EDGE Miles can be converted into air miles of 20+ airline partners
• Reward value can reach ~5% on travel category spends

Apply Now!

SBI Cashback Credit Card

• 5% cashback on all online purchases (capped at ₹5,000 per month)
• 1% cashback on offline spends (no cap)
• Cashback is auto-credited in the next billing cycle
• No reward redemption hassle, straight money-back benefit

---

Apply Now!

3. Fees & Waiver

Fee Type	Axis Atlas	SBI Cashback
Joining Fee	₹5,000 + GST	₹999 + GST
Renewal Fee	₹5,000 + GST	₹999 + GST
Waiver Condition	₹7.5 lakh annual spend	₹2 lakh annual spend
Add-on Card Fee	Nil	Nil

Verdict: SBI Cashback is more affordable and easier to waive.

---

4. Travel, Dining & Lifestyle Benefits

Axis Atlas Credit Card

• International lounge access – 8 visits/year via Priority Pass
• Domestic lounge access – 8 visits/year at Indian airports
• Air miles redemption for both domestic & international travel
• Comprehensive travel insurance – includes lost baggage, flight delay, and medical cover abroad
• Concierge services for bookings and event access

Apply Now!

SBI Cashback Credit Card

• No lounge access or travel benefits
• Purely focused on cashback on spends
• Works best for online shoppers and bill payments

---

Apply Now!

5. Which Card Should You Choose?

• Choose Axis Atlas if:
  • You travel internationally at least 2–3 times a year
  • You value lounge access and air miles
  • Your annual spends cross ₹7.5 lakh and you can get the fee waived
  • You book flights and hotels directly (to maximize miles)
• Choose SBI Cashback if:
  • You shop online frequently (Amazon, Flipkart, Myntra, etc.)
  • You prefer instant cashback instead of reward redemption
  • You want a low annual fee and easy waiver
  • You don’t need travel perks

---

6. Internal Links

• Axis Atlas Credit Card
• SBI Cashback Credit Card

---

7. Final Verdict

According to CardMela.com, both Axis Atlas and SBI Cashback are excellent in their categories. Axis Atlas dominates in travel rewards, luxury perks, and international benefits. SBI Cashback wins in simplicity, affordability, and high cashback rates for online spends. Your choice should depend on your primary spending category — travel vs online shopping.
A: Generally, physical card swiping is required for complimentary access.

Author Bio:

Ryana Moon is a Senior Editor and Credit Card Researcher at CardMela.com, helping 10,000+ users make smarter financial choices. With deep insights into India’s card ecosystem, she writes detailed guides backed by real data and user behaviour trends.