Axis Bank Atlas Credit Card benefits
- Benefit5
EDGE Miles per ₹100 on direct airline, hotel and Travel EDGE bookings
up to ₹2 lakh a month
- Benefit2
EDGE Miles per ₹100 on other eligible spends
- BenefitUp to 10,000
milestone miles a year, at ₹3 lakh, ₹7.5 lakh and ₹15 lakh
- Lounge8
domestic and 4 international lounge visits a year, more in higher tiers
Good to know
- 1 EDGE Mile = ₹1 on Travel EDGE, or transfer to airline and hotel partners
- Annual fee ₹5,000
Axis Bank Atlas Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Travel5 EDGE Miles per ₹100 on flights and hotels booked directly with the airline or hotel, or on Axis Bank Travel EDGE, on up to ₹2 lakh of spends a month (10,000 miles). Spends above that, and bookings through travel agents or online travel sites, earn 2 miles per ₹100. | 5 miles per ₹100 | 10,000 |
| Everything else | 2 miles per ₹100 | None |
We value one mile at ₹1 in the usual redemption.
No rewards on: Gold and jewellery, rent, wallet loads, government services, insurance, fuel, utilities and telecom.
All reward rules
- Axis Bank's terms say 1 EDGE Mile is equal to ₹1. Miles can also move to airline and hotel partners, at rates Axis Bank sets, up to 1,50,000 miles a calendar year. Miles cannot be taken as cash.
- Milestones in a card year: 2,500 EDGE Miles at ₹3 lakh of spends, 2,500 more at ₹7.5 lakh and 5,000 more at ₹15 lakh.
- Tiers: you start in Silver. ₹7.5 lakh of spends in a card year moves you to Gold, and ₹15 lakh to Platinum, with more lounge visits and miles on fee payment.
- Welcome benefit: 2,500 EDGE Miles on your first transaction within 37 days of getting the card.
- Spends on gold, rent, wallets, government, insurance, fuel, utilities and telecom do not count towards milestones or tiers.
What the Axis Bank Atlas Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “frequent traveller” pattern. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 2% | ₹720 |
| Dining and food delivery | ₹4,000 | 2% | ₹960 |
| Online shopping | ₹3,000 | 2% | ₹720 |
| Travel | ₹14,000 | 5% | ₹8,400 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 0% | ₹0 |
| Everything else | ₹3,000 | 2% | ₹720 |
| Total | ₹30,000 | ₹11,520 | |
| Renewal fee with GST | −₹5,900 | ||
| You keep | ₹5,620* |
Axis Bank Atlas Credit Card annual fee and charges
- Joining fee
- ₹5,000
- Annual fee
- ₹5,000
- Foreign currency markup
- 3.5%
Joining fee ₹5,000 and annual fee ₹5,000 from the second year, both before GST. Axis Bank lists no spend-based waiver. Instead, paying the annual fee earns 2,500 EDGE Miles in the Gold tier and 5,000 in the Platinum tier.
Fuel surcharge: 1% fuel surcharge waiver.
Axis Bank Atlas Credit Card eligibility
- Age
- 18 to 70
- Salaried income
- ₹12,00,000 a year
- Self-employed income
- ₹15,00,000 a year
Net annual income of ₹12 lakh for salaried and ₹15 lakh for self-employed applicants.
The bank alone decides approval and your credit limit.
Axis Bank Atlas Credit Card lounge access
8 domestic and 4 international visits a year. Banks often set a spend condition, so read the reward rules above.
Silver tier: 8 domestic and 4 international visits a year, including guests. Gold tier gives 12 and 6, and Platinum gives 18 and 12.
Is the Axis Bank Atlas Credit Card right for you?
A card with a ₹5,000 yearly fee, paying 5% on travel and an above-average 2% elsewhere.
Worth its fee if you spend about ₹16,000 a month or more. Below that, the ₹5,000 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot on travel: the card pays 5% back there, against 2% on most other spends.
- You fly a few times a year: it includes 8 domestic and 4 international airport lounge visits a year.
Not for you if
- Your rewards would not reach ₹5,900 a year: that is the renewal fee with GST, and spending does not waive it.
- Much of your spending is on bills and utilities: this earns no rewards.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to Axis Bank Atlas Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| Axis Bank Atlas Credit Card | ₹5,000 | 5% | ₹940* |
| HSBC Premier Credit Card | Free | 3% | ₹9,720* |
| BOBCARD ETERNA Credit Card | ₹2,499 | 3.75% | ₹7,470* |
If most of your spending looks like the example above, the HSBC Premier Credit Card may suit you better: it would leave you ₹10,440 a year, against ₹5,620 with the Axis Bank Atlas Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the Axis Atlas Credit Card?
The joining fee and the annual fee are ₹5,000 each, before GST. There is no spend-based waiver, but paying the fee earns 2,500 EDGE Miles in the Gold tier and 5,000 in the Platinum tier.
What is the value of an Axis Atlas EDGE Mile?
Axis Bank's terms say 1 EDGE Mile is equal to ₹1. You can also transfer miles to airline and hotel partners, up to 1,50,000 miles a year.
How many miles does the Axis Atlas card give?
5 EDGE Miles per ₹100 on flights and hotels booked directly or on Travel EDGE, up to ₹2 lakh of spends a month, and 2 miles per ₹100 on other spends. Fuel, rent, wallets, insurance, utilities, telecom, gold and government spends earn nothing.
How many lounge visits does Axis Atlas give?
In the Silver tier, 8 domestic and 4 international visits a year, including guests. Gold gives 12 and 6, and Platinum gives 18 and 12.
What is the eligibility for the Axis Atlas Credit Card?
You must be 18 to 70, with a net annual income of ₹12 lakh if salaried or ₹15 lakh if self-employed.