Axis Bank Atlas Credit Card

Name: Axis Bank Atlas Credit Card
Brand: Axis Bank
Price: 5000 INR
Availability: InStock
Rating: 4 (1 reviews)

Overview

The Axis Bank Atlas Credit Card positions itself as an airline-agnostic travel card, meaning you earn and redeem EDGE Miles across any carrier rather than being locked into a single frequent flyer programme. The base earn rate of 2 EDGE Miles per ₹100 applies to all spending, while travel purchases through the EDGE portal, direct airline bookings, and hotel reservations earn 5 miles per ₹100. At 1 mile = ₹1, the travel earn rate translates to a 5% return.The tiered membership system drives most of the card's value. All new cardholders start at Silver tier with 4 international and 8 domestic lounge visits per year. Spending ₹7.5 lakh in an anniversary year upgrades you to Gold (6 international, 12 domestic lounges, plus 2,500 annual EDGE Miles). Reaching ₹15 lakh unlocks Platinum tier with 12 international, 18 domestic lounge visits, and 5,000 annual EDGE Miles. These spending thresholds exclude fuel, rent, wallet loads, utilities, insurance, and government payments.Milestone rewards add up to 10,000 EDGE Miles across three checkpoints: 2,500 at ₹3 lakh, another 2,500 at ₹7.5 lakh, and 5,000 more at ₹15 lakh. Combined with the welcome benefit of 2,500 EDGE Miles on the first transaction, a Platinum-tier cardholder spending ₹15 lakh annually collects roughly 47,500 EDGE Miles (worth ₹47,500) plus lounge access valued at over ₹24,000. That puts total annual benefits above ₹1 lakh against a ₹5,000 fee.The card suits frequent domestic and international travellers with annual spending above ₹7.5 lakh who want flexibility in airline choice. The 3.5% forex markup and ₹199 miles transfer fee are notable costs for international users. If your travel spending stays below ₹3 lakh annually, the ₹5,000 fee without any waiver option makes entry-level travel cards a better fit.

Pros

↑5 EDGE Miles per ₹100 on travel (airlines, hotels, EDGE portal) delivers a 5% return rate that matches or beats most travel cards in India
↑Tiered membership with up to 12 international and 18 domestic lounge visits at Platinum tier is among the most generous lounge programmes at this fee level
↑Airline-agnostic EDGE Miles redeemable across any carrier via the EDGE portal, plus 1:2 transfer ratio to partner airline loyalty programmes

Cons

↓₹5,000 annual fee with no waiver option means the card costs ₹5,900 (with GST) regardless of spending, making it expensive if travel spend is low
↓3.5% foreign currency markup plus 1.5% dynamic currency conversion fee reduces international purchase value significantly
↓Tier-qualifying spend excludes fuel, rent, wallet loads, utilities, insurance, and government transactions, making the ₹7.5L and ₹15L thresholds harder to reach

Key Highlights

Welcome Offer
2,500 EDGE Miles on first transaction
Welcome benefit: 2,500 EDGE Miles
Must transact within 37 days of card issuance
1 EDGE Mile = ₹1
Credited within 7 days of transaction
One-time benefit (not available on card re-issuance)

Reward Rate
5 EDGE Miles/₹100 on travel
5 miles on EDGE portal, direct airlines, direct hotels
2 miles on all other spends
1 EDGE Mile = ₹1
No points on fuel, rent, wallet, government, insurance, utilities

Minimum Salary
₹12L+ salaried, ₹15L+ self-employed
Salaried: Net annual income ₹12 lakh+
Self-employed: Net annual income ₹15 lakh+
Age: 18 to 70 years
Indian resident

Joining Fee
₹5,000 + GST
Joining fee: ₹5,000 + 18% GST
2,500 welcome EDGE Miles partially offset the cost

Annual Fee
₹5,000 + GST (no waiver)
Annual fee: ₹5,000 + GST from 2nd year
No spend-based fee waiver available
Gold/Platinum tier holders get annual EDGE Miles (2,500/5,000) as offset

Why Choose?
Tiered travel card with lounge access and miles
Silver: 4 intl + 8 domestic lounges
Gold: 6 intl + 12 domestic + 2,500 annual miles
Platinum: 12 intl + 18 domestic + 5,000 annual miles
Miles transfer to airline partners at 1:2 ratio

Key Benefits

Fuel

★3.0

▼

1% fuel surcharge waiver on ₹400 to ₹4,000 transactions
Maximum benefit: ₹400 per statement cycle
No EDGE Miles earned on fuel transactions
1% fee on cumulative fuel spends above ₹50,000 per statement

Milestone

★4.5

▼

2,500 EDGE Miles at ₹3 lakh annual spend
Additional 2,500 at ₹7.5 lakh
Additional 5,000 at ₹15 lakh
Maximum 10,000 milestone EDGE Miles per year
Gold tier: 2,500 annual EDGE Miles; Platinum tier: 5,000

Reward Points

★4.0

▼

2 EDGE Miles per ₹100 on all eligible spends
5 EDGE Miles per ₹100 on travel categories
1 EDGE Mile = ₹1
No earn on fuel, rent, wallet, government, insurance, utilities
Redemption: EDGE portal for flights/hotels or transfer to airline partners

Merchant Offers

▼

EDGE portal for travel bookings at 5x earn rate
Miles transfer to partner airline loyalty programmes (1:2 ratio)
Periodic Axis Bank card offers and promotions

Travel

★4.5

▼

5 EDGE Miles per ₹100 on EDGE portal, direct airlines, direct hotels
Silver: 4 intl + 8 domestic lounge visits/year
Gold: 6 intl + 12 domestic lounges
Platinum: 12 intl + 18 domestic lounges
Miles transfer to airline partners at 1:2 ratio
Redeem for flights, hotels, and experiences on EDGE portal

Airport Lounge Access

▼

Silver: 4 international + 8 domestic visits per year
Gold: 6 international + 12 domestic visits per year
Platinum: 12 international + 18 domestic visits per year
Access at select lounges via Axis Bank lounge programme
Primary cardholder only

Emi

▼

EMI conversion on purchases above ₹2,500
Finance charges: 3.75% per month (55.55% per annum)

Detailed Information

Joining Fee	₹5,000 + GST
Annual Fee	₹5,000 + GST
Annual Fee Waiver	No waiver available
Monthly Percentage Rate	3.75%
Annual Percentage Rate	55.55%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	3.5%
Late Payment Charges	Nil up to ₹500 due; ₹500 (₹501-₹5,000); ₹750 (₹5,001-₹10,000); ₹1,200 (above ₹10,000)
Overlimit Charges	2.5% of overlimit amount (min ₹500)
Cash Advance Fee	2.5% of amount (min ₹500)
Card Replacement Fee	Nil
Fee For Duplicate Statement	Waived
Fee For Cheque Bounce	2% of payment amount (min ₹500)

Age Requirement Salaried	18-70 years
Age Requirement Self Employed	18-70 years
Minimum Annual Income Salaried	₹12 lakh
Minimum Annual Income Self Employed	₹15 lakh
Minimum Credit Score	750+ (indicative)

Identity Proof	PAN Card (mandatory) Passport Driving License Voter ID Aadhaar Card
Address Proof	Passport Driving License Electricity Bill Landline Telephone Bill
Income Proof Salaried	Latest payslip Form 16 IT return copy
Income Proof Self Employed	IT return copy Bank statement Business proof

Frequently Asked Questions

The annual fee is ₹5,000 plus 18% GST (₹5,900 total) from the 2nd year. The joining fee is also ₹5,000 plus GST. There is no spend-based annual fee waiver on this card.

EDGE Miles are a loyalty currency exclusive to the Atlas credit card. Each EDGE Mile is worth ₹1. You can redeem them for flights, hotels, and experiences through the EDGE portal or transfer them to airline partner loyalty programmes at a 1:2 ratio.

You earn 5 EDGE Miles per ₹100 on travel bookings (EDGE portal, direct airline purchases, direct hotel spends) and 2 EDGE Miles per ₹100 on all other eligible transactions. Fuel, rent, wallet loads, government, insurance, and utility transactions do not earn miles.

The Atlas card has three membership tiers: Silver (default), Gold (unlocked at ₹7.5 lakh annual spend), and Platinum (at ₹15 lakh). Each higher tier brings more lounge visits, annual EDGE Miles bonuses, and milestone rewards. Tier-qualifying spend excludes fuel, rent, wallet, government, insurance, and utility transactions.

Silver tier: 4 international and 8 domestic visits per year. Gold tier: 6 international and 12 domestic. Platinum tier: 12 international and 18 domestic. Lounge access is for the primary cardholder only at select airports.

New cardholders receive 2,500 EDGE Miles (worth ₹2,500) upon making their first transaction within 37 days of card issuance. The miles are credited within 7 days. This is a one-time benefit and does not apply if the same card variant is cancelled and re-opened.

Milestone EDGE Miles are earned at three spending levels: 2,500 miles at ₹3 lakh, an additional 2,500 at ₹7.5 lakh, and 5,000 more at ₹15 lakh, totalling up to 10,000 EDGE Miles per year. The same category exclusions as tier evaluation apply to milestone qualification.

Redeem EDGE Miles by logging into the Axis Bank Mobile app and clicking 'Book Now' in the EDGE Miles dashboard, or through the Travel EDGE portal at traveledge.axisbank.co.in. You can book flights, hotels, and experiences. Alternatively, transfer miles to partner airline loyalty programmes at a 1:2 ratio.

Yes. A ₹99 fee applies per redemption transaction on the EDGE portal. Transferring EDGE Miles to partner airline loyalty programmes costs ₹199 per conversion. These fees apply in addition to any applicable taxes.

International transactions attract a 3.5% foreign currency markup. A 1.5% dynamic currency conversion markup applies if you choose to pay in Indian rupees at international locations. Combined, this makes international transactions expensive compared to dedicated forex cards.

Salaried applicants need a minimum net annual income of ₹12 lakh. Self-employed applicants require ₹15 lakh. The primary cardholder must be 18-70 years old and an Indian resident. Add-on cardholders must be over 18. Final approval depends on the bank's assessment.

You need a PAN card (mandatory), income proof (latest payslip, Form 16, or IT return), and residence proof (passport, driving license, electricity bill, or landline bill). Self-employed applicants provide IT returns and business documentation instead of payslips.

Yes. A 1% fuel surcharge waiver applies on transactions between ₹400 and ₹4,000. The maximum benefit is ₹400 per statement cycle. Fuel transactions do not earn EDGE Miles. A 1% fee also applies on cumulative fuel spends above ₹50,000 per statement.

Fuel, rent, wallet loads, government institution payments, insurance premiums, and utility/telecom transactions do not earn EDGE Miles. These same categories are excluded from tier-qualifying and milestone spend calculations.

Tier upgrades happen automatically when you reach the spending threshold: ₹7.5 lakh for Gold and ₹15 lakh for Platinum within your anniversary year. You cannot pay a fee to upgrade. Only eligible spending categories count toward these thresholds.

Yes. Gold tier members receive 2,500 EDGE Miles and Platinum tier members receive 5,000 EDGE Miles as an annual benefit. These are credited upon successful payment of the annual fee. Silver tier does not receive annual bonus miles.

Yes. EDGE Miles can be transferred to partner airline loyalty programmes at a 1:2 conversion ratio (1 EDGE Mile converts to 2 partner miles). A fee of ₹199 applies per transfer. Transfers are done through the Axis Bank Mobile app or EDGE portal.

Late payment fees: nil if total due is up to ₹500, ₹500 for ₹501-₹5,000, ₹750 for ₹5,001-₹10,000, and ₹1,200 for amounts above ₹10,000. An additional ₹100 applies for missing the minimum amount due for two consecutive billing cycles.

The finance charge is 3.75% per month, equivalent to 55.55% per annum. This applies to any unpaid balance carried past the due date. Paying the full statement amount by the due date avoids interest entirely.

Yes. EDGE Miles are exclusive to the Atlas credit card and are valued at ₹1 each. EDGE REWARD Points are the loyalty currency for other Axis Bank credit cards. The two cannot be combined or interconverted. Miles are viewed in the ATLAS MILES section of the Axis Bank Mobile app.

Yes. A 1% fee per transaction (plus GST) applies on all rent payments. Rent transactions do not earn EDGE Miles and are excluded from tier-qualifying and milestone spend calculations.

The overlimit penalty is 2.5% of the amount exceeding your credit limit, with a minimum charge of ₹500 plus applicable taxes.

Yes. Add-on cards have no joining or annual fee. The add-on cardholder must be over 18 years old. Spending on add-on cards contributes to the primary card's tier-qualifying and milestone spend.

The Atlas focuses on airline-agnostic miles earning with a tiered system. The Vistara cards are locked to Vistara's Club Vistara programme. The Atlas provides higher flexibility in redemption across any airline through the EDGE portal, while Vistara cards give better value on Vistara-specific bookings.

Your tier is evaluated based on spending in each anniversary year. If your spending in the current year qualifies for Gold or Platinum, you move to that tier. If spending drops below the threshold, your tier reverts to the appropriate level for your actual spend in the next anniversary year.