MyFinCards
Axis Bank Atlas Credit Card

Joining Fee

₹5,000

Annual Fee

Rs. 5000 + Taxes

Forex Markup

3.5% + GST

INTERNATIONAL
Axis Bank
Travel
Rewards
Best For: Frequent domestic and international travelers, High spenders targeting ₹7.5L–₹15L annual spend, Travelers preferring airline-agnostic miles redemption

Axis Bank Atlas Credit Card

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹1

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

Welcome benefit: 2,500 EDGE Miles on first transaction within 37 days of card issuance

Miles transfer program: 1 EDGE Mile = 2 partner miles to airline loyalty programs

Eligibility Criteria

Min. Annual Income

₹12.0 Lakhs

Age Requirement

18+ Years

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

PAN Card photocopy
Form 60

INCOME Proof

Latest payslip
Form 16
IT return copy

ADDRESS Proof

Passport
Driving license
Electricity bill
Landline telephone bill

Notable Exclusions

No milestone/tier credit for spends on gold/jewelleryNo milestone/tier credit for rent transactionsNo milestone/tier credit for wallet loadsNo milestone/tier credit for government institution transactionsNo milestone/tier credit for insurance transactionsNo milestone/tier credit for fuel transactionsNo milestone/tier credit for utilities and telecom transactions

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

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.

Expert Review

Our Verdict

Airlines-agnostic travel card with tiered EDGE Miles rewards, lounge access, and up to 5X miles on travel spends.

Frequently Asked QuestionsAbout Axis Bank Atlas Credit Card

REWARDSWhat is an EDGE Mile?
EDGE Mile is Axis Bank's loyalty currency specifically designed for ATLAS credit cardholders. Each EDGE Mile is worth ₹1/-. EDGE Miles can be earned on every purchase and redeemed for flights, hotels, and experiences via the TRAVEL EDGE portal or Axis Bank Mobile App. They can also be transferred to partner airline loyalty programs, where 1 EDGE Mile equals 2 partner miles. Note that EDGE Miles are different from EDGE Points, which are used for Axis Bank's other credit cards.
REWARDSIs EDGE Mile the same as EDGE Point?
No, EDGE Miles and EDGE Points are different loyalty currencies. EDGE Mile is exclusively for Axis Bank ATLAS credit cardholders, while EDGE Point is the loyalty currency used for Axis Bank's other credit cards. They are not interchangeable. ATLAS cardholders earn and redeem EDGE Miles, not EDGE Points.
USAGEWhere can I view my accrued EDGE Miles?
ATLAS credit cardholders can view their accrued EDGE Miles by visiting the EDGE Miles section within the Axis Bank Mobile App. The credited EDGE Miles will appear under 'ATLAS MILES' in the Atlas dashboard section of the Axis Bank Mobile application. Miles are typically credited within 7 days of the qualifying transaction.
BENEFITSWhat are the membership tiers on the Axis Bank Atlas Credit Card?
The ATLAS credit card has three membership tiers: Silver (base tier), Gold, and Platinum (top tier). All new cardholders start at the Silver tier. You get upgraded to Gold when you spend ₹7.5 lakh in an anniversary year, and to Platinum when you spend ₹15 lakh. Each tier offers increasing benefits including more international and domestic lounge visits, higher milestone rewards, and greater annual EDGE Miles.
USAGEWhere can I find my tier details?
You can view your current membership tier details by visiting the tier dashboard in the Axis Bank Mobile App. The dashboard shows your current tier status (Silver, Gold, or Platinum), your spend progress towards the next tier upgrade, accrued EDGE Miles, and other relevant benefits and milestones associated with your tier.
BENEFITSHow can I upgrade my membership tier?
Tier upgrades happen automatically when you achieve the required spend milestones within your anniversary year. Spending ₹7.5 lakh upgrades you to the Gold tier, and spending ₹15 lakh upgrades you to the Platinum tier. You cannot upgrade by paying an additional fee — tier upgrades are based solely on eligible spends. Note that spends on gold/jewellery, rent, wallet, government institutions, insurance, fuel, utilities, and telecom are excluded from tier evaluation.
USAGEHow do I redeem my EDGE Miles?
You can redeem EDGE Miles for booking flights, hotels, and experiences in two ways: (1) Log into the Axis Bank Mobile App and click 'Book Now' in the EDGE Miles dashboard, or (2) Visit https://traveledge.axisbank.co.in/. EDGE Miles can also be transferred to partner airline loyalty programs where 1 EDGE Mile equals 2 partner miles. A redemption fee of ₹99 applies per redemption, and ₹199 per miles transfer to partner programs. Note that EDGE Miles cannot be encashed for cash.
BENEFITSWhat is the welcome benefit on the Axis Bank Atlas Credit Card?
New ATLAS credit cardholders (cards sourced from 20th April 2024 onwards) receive 2,500 EDGE Miles as a welcome benefit upon making their first transaction within 37 days of card issuance. For cards sourced between 20th December 2022 and 19th April 2024, the welcome benefit was 5,000 EDGE Miles on the first transaction within 30 days. The welcome benefit is a one-time offer and will not apply if the card is cancelled and re-opened.
FEESWhat are the joining and annual fees for the Axis Bank Atlas Credit Card?
The Axis Bank Atlas Credit Card has a joining fee of ₹5,000 and an annual fee of ₹5,000 from the second year onwards. There are no joining or annual fees for add-on cards. Upon payment of the annual fee, cardholders receive EDGE Miles as an anniversary benefit: 2,500 EDGE Miles for Silver/Gold tier members and 5,000 EDGE Miles for Platinum tier members.
ELIGIBILITYWhat are the eligibility criteria for the Axis Bank Atlas Credit Card?
To apply for the Axis Bank Atlas Credit Card, you must: be between 18 and 70 years of age (primary cardholder), be a resident of India, and meet the income requirement — salaried applicants must have a net annual income of ₹12 lakh or above, while self-employed applicants must have a net annual income of ₹15 lakh or above. Add-on cardholders must be over 18 years of age. The bank reserves the right to approve or decline applications.
DOCUMENTSWhat documents are required to apply for the Axis Bank Atlas Credit Card?
The following documents are typically required when applying for the Axis Bank Atlas Credit Card: PAN card photocopy or Form 60, latest payslip, Form 16, or IT return copy as proof of income, and a residence proof such as passport, driving license, electricity bill, or landline telephone bill. The bank may request additional documents on a case-to-case basis, so this list is indicative only.
REWARDSWhat are the milestone benefits on the Axis Bank Atlas Credit Card?
The Atlas Credit Card offers milestone EDGE Miles rewards up to 10,000 per anniversary year. You earn 2,500 EDGE Miles on reaching ₹3 lakh in spends, an additional 2,500 EDGE Miles on reaching ₹7.5 lakh, and an additional 5,000 EDGE Miles on reaching ₹15 lakh. Transactions on gold/jewellery, rent, wallet, government institutions, insurance, fuel, utilities, and telecom are excluded from milestone calculations (applicable on spends from 20th April 2024 onwards).
BENEFITSWhat lounge access benefits does the Atlas Credit Card offer?
The Axis Bank Atlas Credit Card offers airport lounge access based on your membership tier. Silver tier members receive 4 international and 8 domestic lounge visits per year. Gold tier members receive 6 international and 12 domestic lounge visits. Platinum tier members enjoy the highest benefit with 12 international and 18 domestic lounge visits per year. These lounge visits are available at participating airport lounges across India and internationally.
INTERNATIONALWhat is the foreign currency transaction fee on the Atlas Credit Card?
The Axis Bank Atlas Credit Card charges a foreign currency transaction fee of 3.50% of the transaction value for international purchases made in foreign currency. Additionally, a dynamic currency conversion markup of 1.5% applies to international transactions performed in Indian currency at international locations, or transactions in Indian currency with merchants located in India but registered in a foreign nation.
FEESWhat are the finance charges on the Axis Bank Atlas Credit Card?
The Axis Bank Atlas Credit Card carries finance charges of 3.75% per month, which is equivalent to 55.55% per annum, applicable on retail purchases and cash withdrawals. Cash withdrawal attracts an additional fee of 2.5% of the cash amount (minimum ₹500). Late payment fees range from nil (for dues up to ₹500) to ₹1,200 (for dues exceeding ₹10,000). It is advisable to pay your full outstanding balance on time to avoid these charges.

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