Axis Bank Atlas Credit Card: Best Airline-Agnostic Travel Credit Card

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

Axis Atlas Credit Card
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

Welcome Benefits

  • Enjoy 5000 EDGE Miles as Welcome benefit upon first transaction on your ATLAS CREDIT CARD within 30days from the date of card issuance.

*applicable on cards Sourced from 20th December 2022 onwards.

Tiered Benefits

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:

  • 2 EDGE Miles per Rs. 100 spent across all categories
  • 5 EDGE Miles per Rs. 100 spent on travel
  • 5,000 bonus EDGE Miles on making the first transaction within 30 days of card setup
  • 1 EDGE Mile = INR 1

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
  • 1 EDGE Mile = 2 Partner Points across all airlines and hotels except Marriott Bonvoy
  • 2 EDGE Miles = 1 Marriott Bonvoy Point

Milestone Benefits

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:

  • Silver Tier- Rs. 3 Lakh
  • Gold Tier- Rs. 7.5 Lakh
  • Platinum Tier- Rs. 15 Lakh
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

How do Tiers work in Axis Atlas Credit Card?

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 July 2024, your anniversary year ends on July 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
  • Less than Rs. 500: Nil
  • From Rs. 501 to Rs. 5,000: Rs. 500
  • From Rs. 5,001 to Rs. 10,000: Rs. 750
  • Greater than Rs. 10,000: Rs. 1,200

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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
  • Salaried – 9 lakh p.a.
  • Self-employed – 12 lakh p.a.
Documents Required Click here for the list of acceptable documents
Serviceable Cities Click here for the list of eligible cities

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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.

Silver Tier

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.

Gold Tier

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

Platinum Tier

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:
  • Rs. 3 Lakh- 2,500 EDGE Miles
  • Rs. 7.5 Lakh- 5,000 EDGE Miles
  • Rs. 15 Lakh- 10,000 EDGE Miles
Monthly Milestone: Spend Rs. 1 Lakh in a month and get 25,000 bonus EDGE Reward Points Monthly Milestone:
  • Spend Rs. 40,000 in a month and get any 1 benefit:
  • Live 1 month membership
  • BookMyShow or TataCLiQ or Ola cabs vouchers worth Rs. 500
Lounge Access Up to 12 international lounge visits and 18 domestic lounge visits in a year**
  • Unlimited complimentary international lounge visits with Priority Pass with 8 additional guest visits per year
  • Unlimited domestic lounge visits
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-

  • Axis Atlas provides EDGE Miles rather than EDGE Rewards, and each EDGE Mile is worth INR 1. Additionally, the reward rate is elevated for expenses related to travel, making it even more enticing for travelers.
  • Higher spending levels lead to tier upgrades, which, in turn, grant you enhanced benefits, including bonus EDGE Miles, lounge access, and airport concierge services.

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.

You should get this card if:

  • You travel frequently to domestic as well as international destinations
  • You put maximum spends on your credit cards and would be able to reach spending milestones
  • You are not looking for benefits other than travel

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
  • 6 InterMiles per Rs. 150 spent on retail spends
  • 12 InterMiles per Rs. 150 spent on Intermiles website
Axis Bank Vistara Infinite Credit Card Rs. 10,000
  • 6 CV Points per Rs. 200 spent across all categories
  • CV points can be used for ticket upgrade and award flights
Etihad Guest SBI Premier Credit Card Rs. 4,999
  • 6 Etihad Guest Miles on every Rs. 100 spent on
  • 4 Etihad Guest Miles on every Rs. 100 spent on International Spends
  • 2 Etihad Guest Miles on all other spends
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
  • 6% rewards on IndiGo spends
  • 3% rewards on merchant spends including dining, entertainment, grocery
  • 2% rewards on all other category spend excluding wallets

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1. How can I redeem the EDGE Miles earned on Axis Atlas Credit Card?

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.

2. Can I use Axis Atlas Credit Card in a foreign country?

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.

3. How many complimentary airport lounge visits will I get on Axis Atlas Credit Card?

The number of international and domestic lounge visits that you get on Axis Atlas depend on the Tier- Silver, Gold and Platinum.

  • Silver Tier- 4 International and 8 domestic lounge visits in year
  • Gold Tier- 6 International and 12 domestic lounge visits in year
  • Platinum Tier- 12 International and 18 domestic lounge visits in year

4. Do I get dining benefits on Axis Atlas card?

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.

5. What happens if I lose my credit card?

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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