Axis Bank ATLAS Credit Card
Fees
₹5,000 + Taxes
Joining & annual
Reward Rate
5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends
Welcome Bonus
5,000 EDGE Miles upon completing 1st transaction within 30 days
Lounge
8 Domestic + 4 International/yr
Our Expert Take
Axis ATLAS is built for people who actually redeem travel miles rather than just collect them: the 1:2 transfer ratio into airline and hotel partner programs is genuinely competitive, and the tiered milestone structure rewards consistent spending rather than one-off bursts.
Reward limits
Checked 27 Sep 2026 · Bank terms
-
5 EDGE Miles per ₹100 on direct airline, hotel and Travel EDGE bookings
Max 10,000 EDGE Miles per month
Reached after about ₹2,00,000 of spend
-
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
Where this card earns most
Paying directly in the app or site · 2% on other spends
Pros & Cons
Key Advantages
- 1 EDGE Mile = 2 Partner Miles / Hotel Points (1:2 transfer ratio across 12+ airline & hotel partners)
- 5 EDGE Miles per ₹100 spent on flight & hotel bookings
- Tiered privileges (Silver, Gold, Platinum) with milestone bonus miles up to 10,000 miles
- Complimentary domestic & international airport lounge visits
- Flexible redemption directly on airline/hotel loyalty programs
Limitations
- ₹5,000 annual fee non-waivable via spend milestone (offset by tier miles)
- 5X travel miles apply only up to ₹2,00,000 monthly spend; drops to 2X beyond that
- Reward redemption requires transferring to partner loyalty accounts
Key Perks & Spending Milestones
5 EDGE Miles per ₹100 spent on travel bookings (Airlines, Hotels, Travel portals)
2 EDGE Miles per ₹100 spent on all other retail transactions
1:2 transfer ratio for miles (1 EDGE Mile = 2 Partner Miles / Points)
8 complimentary domestic lounge visits/year + 4 international lounge visits/year (Silver tier)
Tier upgrades to Gold and Platinum on achieving spend milestones of ₹7.5 Lakh and ₹15 Lakh
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Spend milestone
2,500 bonus EDGE Miles on achieving Silver tier spend threshold
Spend milestone
5,000 bonus EDGE Miles on achieving Gold tier spend threshold (₹7.5 Lakh)
Spend milestone
10,000 bonus EDGE Miles on achieving Platinum tier spend threshold (₹15 Lakh)
Fees & Charges
Joining fee
₹5,000 + Taxes
Annual fee
₹5,000 + Taxes
Annual renewal fee offset by 2,500 to 10,000 EDGE Miles based on tier
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹750
- ₹5,001 to ₹10,000
- ₹1,000
- ₹10,001 to ₹25,000
- ₹1,200
- ₹25,001 to ₹50,000
- ₹1,200
- Above ₹50,000
- ₹1,200
Insurance & Protection Benefits
air accident cover
Up to ₹1 Crore
lost card liability
Up to ₹3 Lakh
purchase protection
Up to ₹50,000
emergency medical cover
Up to ₹30 Lakh
Eligibility Criteria
salaried minimum income
₹1 Lakh per month
self employed ITR
₹12 Lakh per annum
age
21 to 70 years
Credit score & income
Good to Excellent (750+)
Frequently Asked Questions
Did Axis Atlas's transfer partners change in 2026?
Is Axis Atlas still available to new applicants?
Can Atlas EDGE Miles be used to pay the credit card bill?
How many lounge visits does Atlas offer at the Silver tier?
Compare Axis Bank ATLAS Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Axis Bank ATLAS Credit Card This Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |
| American Express® Platinum Travel Credit Card | ₹5,000 + Taxes | 1 Membership Rewards Point per ₹50 spent (2% base, up to 2.85%... | 8 Domestic/yr (₹1L Qtr Spend) + Priority Pass | 4.8/5 |