Axis Bank Atlas Credit Card is a popular travel credit card in India that is not tied to any specific airline. Cardholders earn accelerated EDGE Miles on travel spends, which can be redeemed across 20+ travel partners at a 1:2 ratio. Tickets can also be booked directly through Axis Bank’s Travel EDGE platform, where 1 EDGE Mile equals Rs. 1.
The card works on a tier-based benefits system, offering extra lounge visits and bonus EDGE Miles when spending thresholds are met.
While it provides excellent rewards for travel, there are some limitations. Transfer partners are divided into Group A and Group B with capping, and accelerated rewards on travel are capped at Rs. 2 Lakh per month. Heavy travellers may find this restrictive. Additionally, the card carries a high forex mark-up fee of 3.5%, which can be a drawback for international travel.
Overall, Axis Atlas is ideal for moderate spenders seeking strong travel rewards and lounge access, but may not suit high-volume international travellers.
Axis Bank Atlas Credit Card Rewards Program
Earning EDGE Miles:
5 EDGE Miles per Rs. 100 spent on travel (up to Rs. 2 Lakh per month)
2 EDGE Miles per Rs. 100 on travel spends above Rs. 2 Lakh per month
2 EDGE Miles per Rs. 100 on all other spends
Redeeming EDGE Miles:
Axis Travel EDGE: Use miles to book flights, hotels, and experiences at 1:1 ratio (1 EDGE Mile = Rs. 1)
Points-to-Miles Conversion: Convert EDGE Miles to partner airline or hotel loyalty points. Most partners: 1 EDGE Mile = 2 Partner Points; for Marriott Bonvoy: 2 EDGE Miles = 1 Point.
Redemption Limits:
Maximum 1.5 Lakh EDGE Miles per year
Group A partners: up to 30,000 EDGE Miles/year
Group B partners: up to 1,20,000 EDGE Miles/year
Other Features and Benefits
Welcome Benefit:
2,500 bonus EDGE Miles on first transaction within 37 days of card activation.
Travel Benefits – Tier-Based
The Axis ATLAS Credit Card offers tier-based travel benefits depending on your annual spending:
Silver Tier (Spend Rs. 3 Lakh)
4 complimentary international lounge visits per year
8 complimentary domestic lounge visits per year
2,500 EDGE Miles as milestone benefit
Gold Tier (Spend Rs. 7.5 Lakh)
6 complimentary international lounge visits per year
12 complimentary domestic lounge visits per year
2,500 EDGE Miles as milestone benefit + 2,500 EDGE Miles as annual benefit
Platinum Tier (Spend Rs. 15 Lakh)
12 complimentary international lounge visits per year
18 complimentary domestic lounge visits per year
5,000 EDGE Miles as milestone benefit + 5,000 EDGE Miles as annual benefit
Fees and Charges
Fee Type
Amount
Joining Fee
Rs. 5,000 + Taxes
Annual Fee
Rs. 5,000 + Taxes
Finance Charges
3.75% per month
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
Things to Know Before you apply
Get this card if:
You want rewards across all travel spends, not just a single brand.
You are not looking for lifestyle or shopping benefits.
You travel frequently within India and can maximize the perks.
Your annual spending is enough to reach Gold or Platinum Tier for higher rewards.
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For Axis Bank Atlas Credit Card
Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Axis Bank Atlas Credit Card Hilights
What do we like about this card?
Earn 5 EDGE Miles per ₹100 on travel spends (up to ₹2 Lakh/month)
2 EDGE Miles per ₹100 on other spends and travel above ₹2 Lakh
Redeem via Axis Travel EDGE or convert to partner airline/hotel points
Tier-based benefits: Silver, Gold, Platinum with extra lounge access & bonus EDGE Miles
Welcome benefit: 2,500 EDGE Miles on first transaction within 37 days
Pros
1:2 redemption value with partner airlines and hotels
Accelerated rewards (2.5X EDGE Miles) on travel spends
Milestone benefits up to 10,000 EDGE Miles annually
Multiple international and domestic lounge visits
Cons
High forex markup fee of 3.5%
Complex tier-based benefit structure
High annual fee of Rs. 5,000
Reward points cannot be redeemed for cashback
Axis Bank Credit Card Contact Details
Contact Address: Axis Bank Limited, Corporate Office, Axis House, Wadia International Centre, Pandurang Budhkar Marg, Worli, Mumbai – 400 025, Maharashtra, India. Helpline Numbers: 1860-419-5555, 1860-500-5555 (available from all major cities in India) Simply SMS Service: Send BAL <space> last 4 digits of your credit card to 56161600 or 8691000002 to get your credit card balance via SMS.
Frequently Asked Questions
Everything you need to know about this credit card
This card is ideal for frequent travelers who want flexible rewards across all travel spends rather than brand-specific benefits.
You earn 5 EDGE Miles per Rs. 100 spent on travel up to Rs. 2 Lakh per month, and 2 EDGE Miles per Rs. 100 on travel above Rs. 2 Lakh and on other spends.
EDGE Miles can be redeemed via Axis Travel EDGE platform for flights, hotels, and experiences (1 EDGE Mile = Rs. 1) or converted to partner airline/hotel points at a 1:2 ratio.
Depending on your annual spend, you fall under Silver (Rs. 3 Lakh), Gold (Rs. 7.5 Lakh), or Platinum (Rs. 15 Lakh) tiers, which give additional lounge access and milestone EDGE Miles.
Silver: 4 international + 8 domestic lounges
Gold: 6 international + 12 domestic lounges
Platinum: 12 international + 18 domestic lounges
Yes, you receive 2,500 bonus EDGE Miles on the first transaction made within 37 days of card issuance.
Yes, the card has a forex markup fee of 3.5% on foreign transactions.
No, EDGE Miles cannot be converted to cashback; they can only be used for travel bookings or partner loyalty programs.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card
Axis
Airport Lounge Access
Reward Points
Travel
