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CREDIT CARD

Axis Bank Atlas Credit Card

Axis Bank

Atlas earns EDGE Miles: 5 per ₹100 on Travel EDGE, direct airline and direct hotel spends and 2 per ₹100 on other eligible spends. It adds tiered domestic lounge visits, milestone and annual EDGE Miles, and a Miles transfer programme.

Fuel, rent, wallet, utilities, telecom, insurance, government, gold/jewellery, gift card and toll spends earn no Miles. The 5-Mile rate is capped at ₹2,00,000 a month. Joining and annual fees are ₹5,000 + GST.

Axis Bank Atlas Credit Card
ANNUAL FEE
₹5,000 + GST
JOINING FEE
₹5,000 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Earns 5 EDGE Miles per ₹100 on Travel EDGE portal, direct airline and direct hotel spends, and 2 EDGE Miles per ₹100 on other eligible spends.
BEST FOR
Included: Usually suits applicants who meet the net annual income criteria (₹12 lakh salaried.
Included: May suit those who book flights or hotels directly or via Travel EDGE.
Included: May suit those who want EDGE Miles redeemable for travel bookings or transferable to airline and hotel partner.
Included: May suit those whose annual spends can reach the ₹7.5 lakh or ₹15 lakh tier thresholds.
Limitation: Less where spends are mainly on fuel, rent, wallets, utilities or insurance may wish to compare other cards.
Limitation: Those whose spends are mainly fuel, rent, wallet, utilities, telecom or insurance may wish to compare other cards.
Limitation: Those who prefer cashback may wish to compare other cards.
Limitation: Those looking for a low joining or annual fee may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: EDGE Miles credited cannot be en-cashed. 1 EDGE Mile equals ₹1, and a ₹99 fee applies to each redemption on the Travel EDGE portal.
Condition: Tier and milestone benefits depend on spends; the tier is valid for an anniversary year and may be downgraded if the spend threshold is not met.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
18
Maximum age
70

Fees & ownership

Joining fee
₹5,000 + GST
Annual / renewal fee
₹5,000 + GST
Fee waived at
Not stated
Forex markup
3.5%
Finance charge
3.75% per month
Cash withdrawal fee
2.5% of the amount, minimum ₹500
Late-payment charge
Not stated
Interest-free period
20–50 days

Benefits & privileges

TRAVEL
Domestic airport lounge
18 visits — Silver 8, Gold 12, Platinum 18 visits (including guests) · Visits include primary cardholder and guests; swipe card at the lounge; access is first come, first served.
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Axis Bank lounge programme (DreamFolks)
EVERYDAY
Fuel
1% of transaction amount refunded on fuel transactions between ₹400 and ₹4,000; max ₹400 per statement cycle
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Gold/jewellery, rent, wallet, government institutions, insurance, fuel, utilities and telecom, gift cards, and bridge, road and toll fees earn no EDGE Miles and are excluded from tier and milestone spends.; Gold/jewellery, rent, wallet, government institutions, insurance, fuel, utilities and telecom, gift cards, and bridge, road and toll fees.
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
₹99
Minimum redemption
Not stated
Credited automatically
Credited automatically

Who this card may suit

MAY SUIT
Included: Earns 5 EDGE Miles per ₹100 on Travel EDGE portal, direct airline and direct hotel spends, and 2 EDGE Miles per ₹100 on other eligible spends.
Included: Tiered membership: Silver on issue, Gold at ₹7.5 lakh and Platinum at ₹15 lakh of anniversary-year spends, each tier adding benefits.
Included: EDGE Miles can be redeemed for flights, hotels and experiences, or transferred to airline and hotel partners at 1 EDGE Mile = 2 partner points (Marriott differs).
Included: Milestone Miles: 2,500 at ₹3,00,000 spends, plus 2,500 at ₹7,50,000 and 5,000 more at ₹15,00,000; annual Miles of 2,500 (Gold) or 5,000 (Platinum) on fee payment.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.