The Axis Atlas Credit Card is one of the best air miles credit cards in India. Unlike other cards that tie up with specific airlines, this card provides EDGE Miles that can be used across 10+ airlines and 3 hotel loyalty programs. The card also comes with unique tier-based advantage adding to its travel benefits. Here is all you need to know about this card.
Key Highlights of Axis Atlas Credit Card |
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| Best Suited For | Travel |
| Annual Fee | Rs. 5,000 |
| Minimum Income Required | Salaried: Rs 9 Lakhs p.a | Self Employed: Rs 12 Lakhs p.a. |
| Welcome Benefits | 5,000 EDGE Miles upon successful completion of 3 transactions on the card within 30 days from card activation |
| Anniversary Gift | Get Upto 10,000 EDGE Miles on completion of a Year. |
| Best Feature | 2.5X EDGE Miles on Travel | 1 EDGE Mile = INR 1 |
*applicable on cards Sourced from 20th December 2022 onwards.
Earn EDGE Miles across All Transactions
The Axis Atlas Credit Card gives you EDGE Miles instead of regular reward points. You can earn these miles as follows:
EDGE Miles Transfer Program
EDGE Miles earned on your Axis Atlas credit card can be transferred to partner airlines and hotel loyalty programs.
| Partners | Loyalty Program |
|---|---|
| Air France-KLM | Flying Blue |
| Ethiopian Airlines | Sheba Miles |
| Vistara Airlines | Club Vistara |
| Etihad Airways | Etihad Guest |
| Qatar Airways | Privilege Club |
| Singapore Airlines | KrisFlyer Miles |
| Turkish Airlines | Miles and Smiles |
| United Airlines | United Mileage Plus |
| SpiceJet | SpiceClub |
| Air Asia | Air Asia Rewards |
| Marriott International | Marriott Bonvoy |
| IHG Hotels & Resorts | IHG One Rewards |
| ITC | Club ITC |
Unlock upto 17,500 EDGE MILES on achieving the spends milestone.
3-Tier Benefits based on Spend Milestones
Axis Atlas Credit Card features a 3-Tier Milestone Privilege, allowing users to earn more rewards as they spend. The spend thresholds for each tier are as follows:
| Benefit | Silver Tier | Gold Tier | Platinum Tier |
|---|---|---|---|
| Bonus EDGE Miles | Rs. 2,500 | Rs. 5,000 | Rs. 10,000 |
| International Lounge Access | Rs. 4 | Rs. 6 | Rs. 12 |
| Domestic Lounge Access | Rs. 8 | Rs. 12 | Rs. 18 |
| Airport Meet & Greet Service | NA | Rs. 2 | Rs. 4 |
| Airport Pick-up | NA | NA | Rs. 2 |
The Axis Atlas Credit Card offers benefits based on different tiers. Initially, cardholders start in the Silver Tier and receive Silver Tier benefits, including 4 international lounge visits and 8 domestic lounge visits.
Upon reaching a spending milestone of Rs. 7.5 Lakh within the year, users are upgraded to the Gold Tier. If they spend Rs. 15 Lakh within the year, they achieve the Platinum Tier. Each tier is valid for one anniversary year.
For example, if your card is issued on May 2024, your anniversary year ends on May 2024. If you spend Rs. 8 Lakh during this period, you will be upgraded to the Gold Tier and enjoy Gold Tier benefits in the next anniversary year. However, if you spend Rs. 6 Lakh, you will continue to receive Silver Tier benefits in the next year. Similarly, if you
The fees and charges applicable to Axis Bank Atlas Credit Card are mentioned below:
| Fees / Charges | Amount |
|---|---|
| Joining Fee | Rs. 5,000 |
| Annual Fee | Rs. 5,000 |
| Finance Charges | 3.60% per month (52.86% per annum) |
| Late Payment Charges** |
For Statement Balance
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The applicant must fulfill the below-mentioned eligibility criteria to apply for Axis Bank Atlas Credit Card:
| Criteria | Details |
|---|---|
| Age | 18 to 70 years |
| Occupation | Salaried and Self-employed |
| Minimum Income |
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| Documents Required | Click here for the list of acceptable documents |
| Serviceable Cities | Click here for the list of eligible cities |
With The Axis Atlas Credit Card, cardholders can accumulate valuable EDGE Miles, each valued at INR 1, when booking tickets through Axis Bank's Travel EDGE Platform. To comprehend the total EDGE Mile earnings for cardholders in various tiers, let's explore the details.
Suppose the cardholder reaches the annual milestone of Rs. 3 Lakh as shown below and earns EDGE Miles for the same.
| Spend Category | Total Spending (in INR) | EDGE Miles Earning |
|---|---|---|
| Shopping | Rs. 1,00,000 | Rs. 2,000 |
| Grocery | Rs. 45,000 | Rs. 900 |
| Travel (5 EDGE Miles/Rs. 100) | Rs. 1,20,000 | Rs. 6,000 |
| Dining | Rs. 20,000 | Rs. 400 |
| Entertainment | Rs. 15,000 | Rs. 300 |
| Total | Rs. 3,00,000 | Rs. 9,600 |
| Bonus Points | - | Rs. 2,500 |
The overall earnings amount to Rs. 12,100. As each EDGE Mile is equivalent to INR 1, cardholders can potentially save up to Rs. 12,100 when booking flight tickets, hotel stays, or experiences through the Axis Travel EDGE platform.
| Spend Category | Total Spending (in INR) | EDGE Miles Earning |
|---|---|---|
| Shopping | Rs. 2,70,000 | Rs. 5,400 |
| Grocery | Rs. 1,00,000 | Rs. 2,000 |
| Travel (5 EDGE Miles/Rs. 100) | Rs. 2,50,000 | Rs. 12,500 |
| Dining | Rs. 70,000 | Rs. 1,400 |
| Entertainment | Rs. 60,000 | Rs. 1,200 |
| Total | Rs. 7,50,000 | Rs. 22,500 |
| Bonus Points | - | Rs. 5,000 |
Total earnings = 27,500 EDGE Miles
Total Saving = Rs. 27,500
| Spend Category | Total Spending (in INR) | EDGE Miles Earning |
|---|---|---|
| Shopping | Rs. 5,00,000 | Rs. 10,000 |
| Grocery | Rs. 3,00,000 | Rs. 6,000 |
| Travel (5 EDGE Miles/Rs. 100) | Rs. 3,00,000 | Rs. 15,000 |
| Dining | Rs. 2,00,000 | Rs. 4,000 |
| Movies | Rs. 50,000 | Rs. 1,000 |
| Health and Wellness | Rs. 1,50,000 | Rs. 3,000 |
| Total | Rs. 15,00,000 | Rs. 39,500 |
| Bonus Points | Rs. 10,000 | Rs. 10,000 |
Total earnings = 49,000 EDGE Miles
Total Saving = Rs. 49,000
Now, as a Platinum Tier member, you would have already enjoyed the benefits of both Silver and Gold Tiers, thereby enhancing your overall advantages. For instance, your total milestone bonus EDGE Miles would include 2,500 for Silver, 5,000 for Gold, and 10,000 for Platinum, resulting in a total of 17,500 EDGE Miles earned.
| Parameters | Axis Atlas | Axis Magnus | HDFC Diners Club Privilege |
|---|---|---|---|
| Annual Fees | Rs. 5,000 | Rs. 10,000 | Rs. 2,500 |
| Reward Rate | 2 EDGE Miles per Rs. 100 5 EDGE Miles per Rs. 100 on travel spends | 12 Axis EDGE Reward Points per Rs. 100 | 4 Reward Points per Rs. 150 10X reward points on SmartBuy |
| Redemption Value | 1 EDGE Mile = Rs. 1* | 1 EDGE Reward = Rs. 0.20 | 1 Reward Point = Rs. 0.20 (for cash credit) |
| Miles Transfer Ratio | 1 EDGE Mile = 2 Partner Loyalty Points | 5 EDGE Reward Points = 4 Partner Loyalty Points | 1 Reward Point = Rs. 0.50 Air Mile |
| Milestone Benefits |
On spending:
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Monthly Milestone: Spend Rs. 1 Lakh in a month and get 25,000 bonus EDGE Reward Points |
Monthly Milestone:
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| Lounge Access | Up to 12 international lounge visits and 18 domestic lounge visits in a year** |
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12 complimentary visits in a year to international and domestic Diners Club lounges for primary and add-on cardholders |
| Forex Mark-up Fee | 3.5% | 2% | 2% |
| Other Travel Benefits | Limited number of airport concierge and airport pick-up services for Gold and Platinum Tier members | 8 complimentary end-to-end VIP service at the airport every year | Complimentary insurance covers for overseas and exclusive concierge service |
*For travel bookings and more via Axis Bank Travel EDGE
**Based on spend-based tiers (Silver, Gold or Platinum)
Axis Atlas is designed around travel benefits. Two factors that make Axis Atlas a great fit for frequent travellers are-
The card's basic reward rate is reasonable, but given the 2.5X EDGE Miles for travel expenses, it's advantageous to use the card for travel-related spending to maximize rewards. Travel expenses tend to be significant, and for individuals who frequently travel domestically and internationally throughout the year, achieving the spending milestone may be relatively straightforward.
For the redemption of EDGE Miles, Axis Atlas users have several options. They can book flights, hotels, or vacation packages through Axis Bank's Travel EDGE platform, where the value of 1 EDGE Mile is equivalent to INR 1. Additionally, they have the flexibility to transfer EDGE Miles to various airlines and hotel loyalty programs at a ratio of 1:2, doubling the value of their miles.
The milestone feature of this card can offer significant value, but it can be somewhat complex, especially for individuals who aren't familiar with how credit cards work.
Another drawback of this card is its high foreign exchange mark-up fee, which stands at 3.5%. This level of forex mark-up is relatively steep, especially for a card designed for travel. Some other all-rounder cards like HDFC Diners Club Privilege and SBI Card ELITE provide the benefit of a lower forex mark-up, making them more attractive for international spending.
If you are looking for other credit cards that offer benefits similar to Axis Bank Atlas Credit Card then you can refer to the cards mentioned in the table below:
| Credit Cards | Annual Fee (in INR) | Comparative Feature |
|---|---|---|
| InterMiles HDFC Signature Credit Card | Rs. 2,500 |
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| Axis Bank Vistara Infinite Credit Card | Rs. 10,000 |
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| Etihad Guest SBI Premier Credit Card | Rs. 4,999 |
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| Air India SBI Signature Credit Card | Rs. 4,999 | 4 Reward points per Rs. 100 spent Earn up to 1 Lakh bonus Miles in a year 1 reward point = 1 Air India Air Mile |
| Kotak IndiGo Ka-ching 6E Rewards XL Credit Card | Rs. 2,500 |
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You can use your EDGE Miles to book flight tickets, hotel stays, or experiences through the Axis Bank Travel EDGE Platform, where each EDGE Mile is worth INR 1. Additionally, you have the option to transfer your EDGE Miles to partner airlines and hotel loyalty programs.
Yes, Axis Atlas credit card is globally acceptable. However, for any payments made in foreign currency, a foreign exchange mark-up fee of 3.5% will be applicable.
The number of international and domestic lounge visits that you get on Axis Atlas depend on the Tier- Silver, Gold and Platinum.
Yes. with The Axis Atlas Credit Card, you can enjoy a 25% discount at select restaurants through EazeDiner. To avail of this offer, your minimum bill value must be Rs. 2,000, and the maximum discount you can receive is Rs. 800.
In case you lose your credit card, you should immediately get it blocked by calling on Axis Bank Credit Card Customer Care on 1 – 860 – 419 – 5555 or 1 – 860 – 500- 5555.
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