Side-by-side · honest numbers
Axis Bank Atlas Credit Card vs SBI Card against Fixed Deposit
Honest side-by-side comparison of Axis Bank Atlas Credit Card, SBI Card against Fixed Deposit — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
Customize your spend
Change spend profile or swap cards — results update live below.
Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
Axis Bank Atlas Credit Card
Axis Bank
SBI Card against Fixed Deposit
SBI Card
Your adjusted comparison
| Feature | Axis Bank Atlas Credit Card Axis Bank | SBI Card against Fixed Deposit SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹5,000 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free |
| Min income | ₹50,000/mo | Not stated |
| Secured / FD-backed | Standard | FD-backed |
| Rewards | ||
| Net annual value (moderate) | ₹1,404/yr | ₹1,440/yr |
| Travel | ₹3,000 → 100 pts/mo × ₹0.40/pt = ₹40/mo (₹480/yr) | — |
| Top reward rate | 5 EDGE Miles/₹150 | 80% of FD value |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | 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) |
| Key exclusions | EMI · Fuel · Rent · Wallet | Not stated |
| Bonuses | ||
| Signup bonus | ₹5,000 | — |
Stack mode (hold both)
Cap-aware split: ~₹1,824/yr combined NAV (₹384 vs best solo). Both annual fees apply.
Share this comparison
https://cardhungry.com/in/en/compare/axis-atlas-vs-sbi-fd-securedReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, SBI Card against Fixed Deposit leads Axis Bank Atlas Credit Card by about ₹36/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | Axis Bank Atlas Credit Card Axis Bank | SBI Card against Fixed Deposit SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹5,000 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free |
| Min income | ₹50,000/mo | Not stated |
| Secured / FD-backed | Standard | FD-backed |
| Rewards | ||
| Net annual value (moderate) | ₹1,404/yr | ₹1,440/yr |
| Travel | ₹3,000 → 100 pts/mo × ₹0.40/pt = ₹40/mo (₹480/yr) | — |
| Top reward rate | 5 EDGE Miles/₹150 | 80% of FD value |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | 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) |
| Key exclusions | EMI · Fuel · Rent · Wallet | Not stated |
| Bonuses | ||
| Signup bonus | ₹5,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- SBI Card against Fixed Deposit has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- SBI Card against Fixed Deposit leads with an estimated ₹1,440/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank Atlas Credit Card lists a minimum monthly income of ₹50,000.
- Which cards are secured (FD-backed)?
- SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
More Axis Bank Atlas Credit Card comparisons
- Axis Bank Atlas Credit Card vs 811 Dream Different Credit Card
- Axis Bank Atlas Credit Card vs AU Altura Credit Card
- Axis Bank Atlas Credit Card vs AU Altura+ Credit Card
- Axis Bank Atlas Credit Card vs AU LIT Credit Card
- Axis Bank Atlas Credit Card vs AU Zenith Credit Card
- Axis Bank Atlas Credit Card vs American Express Gold Card
- Axis Bank Atlas Credit Card vs American Express Platinum Travel Card
- Axis Bank Atlas Credit Card vs American Express SmartEarn Credit Card
- Axis Bank Atlas Credit Card vs Amex Membership Rewards CC
- Axis Bank Atlas Credit Card vs Axis Bank ACE Credit Card
- Axis Bank Atlas Credit Card vs Axis Bank Airtel Credit Card
- Axis Bank Atlas Credit Card vs Axis Bank Flipkart Credit Card