Joining Fee
₹5,000
Annual Fee
Rs. 5000 + Taxes
Forex Markup
3.5% + GST
Add-on Card Fee
Free per supplementary card
Late Payment Charges
| Total amount due | Late fee |
|---|---|
| Total due up to ₹500 | Nil |
| Total due ₹501 to ₹5,000 | ₹500 |
| Total due ₹5,001 to ₹10,000 | ₹750 |
| Total due greater than ₹10,000 | ₹1,200 |
Minimum ₹500
Axis Bank Atlas Credit Card
Rewards Structure
Base Reward Rate
2% on spends
Point Value
1 Point = ₹1
Accelerated Rate
5% Max
Earning Cap
₹37,500 /annually
Points Validity
24 Months
Pros
- Airlines-agnostic travel rewards via EDGE Miles
- Tiered benefits: Silver, Gold, Platinum with increasing perks
- Up to 12 international + 18 domestic lounge visits at Platinum tier
- 1 EDGE Mile = 2 partner miles for airline transfers
- Milestone EDGE Miles up to 10,000 per year
- No add-on card joining or annual fee
- 1% fuel surcharge waiver on eligible transactions
Cons
- High joining and annual fee of ₹5,000
- Welcome benefit reduced from 5,000 to 2,500 EDGE Miles for new applicants
- Reward redemption fee of ₹99 per redemption; ₹199 for miles transfer
- Multiple exclusion categories for spend milestones (fuel, rent, wallet, govt, insurance, utilities, telecom)
- Finance charges high at 3.75% per month (55.55% per annum)
Hidden Catches (Transparency Policy)
To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.
Milestone and tier evaluation excludes gold/jewellery, rent, wallet, government, insurance, fuel, utilities and telecom spends
1% fee on wallet loads above ₹10,000 cumulative per statement cycle
1% fee on fuel spends above ₹50,000 cumulative per statement cycle
1% education payment fee via third-party apps
1% utility fee on cumulative spends above ₹25,000 per statement cycle
1% online gaming fee on cumulative spends above ₹10,000 per statement cycle
Dynamic currency conversion markup of 1.5% on international transactions performed in INR
Key Benefits & Features
Miles transfer program: 1 EDGE Mile = 2 partner miles to airline loyalty programs
Welcome benefit: 2,500 EDGE Miles on first transaction within 37 days of card issuance
Eligibility Criteria
Min. Annual Income
₹12.0 Lakhs
Age Requirement
18+ Years
Occupation
Required Documents
IDENTITY Proof
INCOME Proof
ADDRESS Proof
Notable Exclusions
*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.
These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.
About Axis Bank Atlas Credit Card
The Axis Bank Atlas Credit Card is an airline-agnostic travel credit card designed to reward cardholders on every journey they make. Built around a tiered membership system, the card starts all users at the Silver tier, with upgrades to Gold and Platinum unlocked upon reaching annual spends of ₹7.5 lakh and ₹15 lakh respectively. Each tier offers progressively greater benefits, including increased international and domestic airport lounge access, milestone EDGE Miles, and annual rewards upon fee renewal. The card's core rewards currency is EDGE Miles, where cardholders earn 2 EDGE Miles per ₹100 on general spends and an accelerated 5 EDGE Miles per ₹100 on travel bookings made through the TRAVEL EDGE portal, direct airlines, and hotels. New cardholders receive 2,500 EDGE Miles as a welcome benefit upon their first transaction. Milestone spends of ₹3 lakh, ₹7.5 lakh, and ₹15 lakh unlock additional EDGE Miles bonuses of up to 10,000 miles in total. Each EDGE Mile holds a value of ₹1 and can be redeemed for flights, hotels, and experiences, or transferred to partner airline loyalty programs at a rate of 1 EDGE Mile to 2 partner miles. With a joining and annual fee of ₹5,000, the card is best suited for frequent travelers and high spenders seeking flexible, airline-neutral travel rewards.
Our Verdict
Airlines-agnostic travel card with tiered EDGE Miles rewards, lounge access, and up to 5X miles on travel spends.
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