Axis Bank ATLAS Credit Card on PhonePe

How it works

5% only on direct airline/hotel bookings and Travel EDGE. MakeMyTrip, Cleartrip and Goibibo earn 2%.

Caps & rules

• 5 EDGE Miles per ₹100 on Travel EDGE, direct airline and direct hotel spends, on up to ₹2 Lakh per month (2 per ₹100 after that).
• Online travel agencies (MakeMyTrip, Cleartrip, Goibibo) earn only 2.
• 1 EDGE Mile = ₹1, or 2 partner points (transfers capped at 1,50,000 miles a year).
• Axis-wide from 28 Aug 2026: no rewards on tolls; DCC markup 3.5% (2% on Magnus).

Reward limits

• 5 EDGE Miles per ₹100 on direct airline, hotel and Travel EDGE bookings: max 10,000 EDGE Miles per month
• 2 EDGE Miles per ₹100 on other spends: No limit
• Miles transferred to airline and hotel partners: max 1,50,000 EDGE Miles per calendar year

No rewards on

Utilities & telecom (except the card's own bill channel), rent, wallet, gift cards, government, insurance, gold/jewellery, fuel, tolls (from 28 Aug 2026), EMI