Axis Bank ATLAS Credit Card
Fees
₹5,000 + Taxes
Joining & AnnualReward 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 Access
8 Domestic + 4 International/yr
FindMyCard 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.
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
Editorial Verdict
The Axis Bank ATLAS Credit Card is ideally suited for frequent travelers & airline/hotel miles transfers. If you want 5 edge miles per ₹100 on travel; 2 edge miles per ₹100 on general spends, this card delivers real value. The ₹5,000 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good to Excellent (750+) credit to be approved.
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
🚀 Milestone Spends Timeline
2,500 bonus EDGE Miles on achieving Silver tier spend threshold
5,000 bonus EDGE Miles on achieving Gold tier spend threshold (₹7.5 Lakh)
10,000 bonus EDGE Miles on achieving Platinum tier spend threshold (₹15 Lakh)
Fees & Charging Rates
Annual Fee Waivers
₹5,000 + Taxes
💡 Annual renewal fee offset by 2,500 to 10,000 EDGE Miles based on tier
Regular Interest Charges
3.6% per month (43.2% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹750 |
| 5001 to 10000 | ₹1,000 |
| 10001 to 25000 | ₹1,200 |
| 25001 to 50000 | ₹1,200 |
| above 50000 | ₹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
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 (2/Qtr) + Priority Pass | 4.8/5 |