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Credit Cards · India

Axis Bank Atlas Credit Card

Updated 5 Jul 2026Source-linked

The Axis Bank Atlas Credit Card is a premium credit card from Axis Bank, with a joining fee of ₹5,000 + GST.

It earns up to 5 miles per ₹100 (≈5.0% value) on travel airline hotel portal spends in the form of edge miles (miles).

Cardholders get 8 annual domestic + 4 annual international airport lounge access, plus 2,500 edge miles as a welcome benefit.

Axis Bank logo
Axis Bank Atlas Credit Card
Visa logo
  • Joining Fee₹5,000
  • Annual Fee₹5,000
  • Best Suited ForTravel
  • Reward TypeEDGE Miles (miles)
Rewards Rate
  • 5 miles per ₹100 on travel airline hotel portal (cap 200000 spend inr / monthly)
  • 2 miles per ₹100 on international spend
  • Base 2.00% on other spends
Welcome Benefits
  • 2,500 EDGE Miles
Data verified 5 Jul 2026 — see our methodology
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Rewards and Benefits

Rewards Rate
5 miles per ₹100 on travel airline hotel portal (cap 200000 spend inr / monthly)
2 miles per ₹100 on international spend
Base 2.00% on other spends.
Reward Redemption
Multiple (EDGE Miles transfer): Standard partners transfer 1 EDGE Mile -> 2 partner units (1:2). Three partners added Apr-2026 (British Airways, Finnair, Vietnam LotusMiles) transfer at 2:1 (2 EDGE Miles -> 1 partner unit) — value-destroying vs the Rs 1.0 portal floor, avoid. Marriott Bonvoy, Accor ALL and Qatar Privilege Club were REMOVED on 2026-04-02. Group A partners share a ~30,000 EDGE Mile/yr transfer cap; Group B ~1,20,000.
Welcome Benefits
2,500 EDGE Miles
Milestone Rewards
  • ₹3,00,000 / annual: 2,500 EDGE Miles on ₹3L annual spend
  • ₹7,50,000 / annual: Gold tier (₹7.5L): additional 2,500 EDGE Miles; lounge upgraded to 12 domestic + 6 international visits/year
  • ₹15,00,000 / annual: Platinum tier (₹15L): additional 5,000 EDGE Miles; lounge upgraded to 18 domestic + 12 international visits/year
Domestic Lounge Access
8 visits each annual.
International Lounge Access
4 visits each annual.
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 2.0% = ₹300/mo
  • Groceries₹8,000 · 2.0% = ₹160/mo
  • Dining & food delivery₹8,000 · 2.0% = ₹160/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 2.0% = ₹200/mo

    Travel & hotels — earns base; accelerated rate needs booking via edge-travel

  • Utilities & bills₹5,000 · 0.0% = ₹0/mo
Est.net rewards for this spend, realistic
₹4,840/yr

₹9,840 rewards − ₹5,000 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • premium card issued by Axis Bank.
  • Joining / annual fee of ₹5,000 + GST.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (8/annual) + international (4/annual).

Pros & Cons

Pros
  • Strong base reward rate of 2.00%.
  • Complimentary international airport lounge access.
  • Milestone-based bonus rewards on annual / quarterly spend thresholds.
  • Accelerated earn worth ≈5.0% on travel airline hotel portal.
Cons
  • High annual fee of ₹5,000.
  • No annual-fee waiver option.
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹2,500 welcome benefit

  • 2,500 EDGE Miles
    First transaction within 37 days of card issuance (cards sourced from 20th April 2024)
    Window: 37 days from issuance.

Accelerated rewards

  • 5 miles per ₹100 on travel airline hotel portal (cap 200000 spend inr / monthly)
    5 EDGE Miles per ₹100 on Axis Travel EDGE portal, direct airline and direct hotel bookings (identified by MCC), capped at ₹2,00,000 spend per calendar month; base 2 Miles thereafter. Bookings via travel agents/OTAs earn only base 2 Miles.
  • 2 miles per ₹100 on international spend

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • government
  • insurance premiums
  • utilities
  • jewellery

Milestone benefits

  • ₹3,00,000 / annual: 2,500 EDGE Miles on ₹3L annual spend (≈ ₹2,500 value)
  • ₹7,50,000 / annual: Gold tier (₹7.5L): additional 2,500 EDGE Miles; lounge upgraded to 12 domestic + 6 international visits/year (≈ ₹2,500 value)
  • ₹15,00,000 / annual: Platinum tier (₹15L): additional 5,000 EDGE Miles; lounge upgraded to 18 domestic + 12 international visits/year (≈ ₹5,000 value)

Airport lounge access

Domestic
8 visit(s) / annual. Via dreamfolks.
International
4 visit(s) / annual. Via priority-pass.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹400 per monthly.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
18–70
Credit score
750+
Income (salaried)
₹12,00,000 p.a.
Income (self-employed)
₹15,00,000 p.a.
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