Side-by-side · honest numbers
American Express SmartEarn Credit Card vs Axis Bank Atlas Credit Card vs Standard Chartered Ultimate Credit Card
Honest side-by-side comparison of American Express SmartEarn Credit Card, Axis Bank Atlas Credit Card, Standard Chartered Ultimate Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, Axis Bank Atlas Credit Card ranks first for estimated net annual value — ahead of Standard Chartered Ultimate Credit Card by about ₹3,042/yr.
| Feature | American Express SmartEarn Credit Card American Express | Axis Bank Atlas Credit Card Axis Bank | Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹495 | ₹5,000 | ₹5,000 |
| Fee waiver threshold | Waived at ₹40,000/yr spend | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹50,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,650/yr | ₹6,802/yr | ₹3,760/yr |
| Online shopping | 5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit) | — | — |
| Travel | — | 5 pts per ₹150 spend → ₹67/mo (₹800/yr) | 5% cashback → ₹250/mo (₹3,000/yr) |
| Top reward rate | 10X Membership Rewards | 5 EDGE Miles/₹150 | 5% |
| Primary reward cap | ₹500 eligible spend/mo | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Up to 18 domestic + 12 international visits/year · Visit count scales with annual card spend tiers — check Axis Atlas milestones | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Insurance · Utilities · EMI · Rent | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹5,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- American Express SmartEarn Credit Card has the lowest annual fee at ₹495.
- Which card earns more on moderate spend?
- Axis Bank Atlas Credit Card leads with an estimated ₹6,802/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- American Express SmartEarn Credit Card lists a minimum monthly income of ₹25,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
American Express SmartEarn Credit Card
American Express
Axis Bank Atlas Credit Card
Axis Bank
Standard Chartered Ultimate Credit Card
Standard Chartered
Your adjusted comparison
| Feature | American ExpressGold American Express SmartEarn Credit Card •••• •••• •••• 4242 Quick facts American Express SmartEarn Credit Card Top reward10X Membership Rewards Annual fee₹495 Min income₹25,000/mo Tap to flip back American Express SmartEarn Credit Card American Express | Axis BankPlatinum Axis Bank Atlas Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Atlas Credit Card Top reward5 EDGE Miles/₹150 Annual fee₹5,000 Min income₹50,000/mo Tap to flip back Axis Bank Atlas Credit Card Axis Bank | Standard CharteredPlatinum Standard Chartered Ultimate Credit Card •••• •••• •••• 4242 Quick facts Standard Chartered Ultimate Credit Card Top reward5% Annual fee₹5,000 Min income₹60,000/mo Tap to flip back Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹495 | ₹5,000 | ₹5,000 |
| Fee waiver threshold | Waived at ₹40,000/yr spend | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹50,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,650/yr | ₹6,802/yr | ₹3,760/yr |
| Online shopping | 5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit) | — | — |
| Travel | — | 5 pts per ₹150 spend → ₹67/mo (₹800/yr) | 5% cashback → ₹250/mo (₹3,000/yr) |
| Top reward rate | 10X Membership Rewards | 5 EDGE Miles/₹150 | 5% |
| Primary reward cap | ₹500 eligible spend/mo | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Up to 18 domestic + 12 international visits/year · Visit count scales with annual card spend tiers — check Axis Atlas milestones | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Insurance · Utilities · EMI · Rent | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹5,000 | — |
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https://cardhungry.com/in/en/compare/amex-smartearn-vs-axis-atlas-vs-sc-ultimateMore American Express SmartEarn Credit Card comparisons
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