Axis Bank Atlas Credit Card — travel-focused card earning 5 EDGE Miles per ₹100 on direct airline/hotel bookings and the Travel EDGE portal (capped at ₹2 lakh travel spend/month), and 2 EDGE Miles per ₹100 on other eligible retail spends. 1 EDGE Mile = ₹1 on Travel EDGE, transferable to 20+ airline/hotel partners. Tiered lounge access (Silver 8+4, Gold 12+6, Platinum 18+12), milestone miles at ₹3L/₹7.5L/₹15L annual spends. Annual fee ₹5,000 + GST (no waiver). Redemption fee ₹99, transfer fee ₹199.
Data completeness: 100% · Last verified: 06 Jul 2026
All fees shown base + 18% GST (India card fees legally attract GST).
There is speculation and user expectation regarding a potential devaluation of the Axis Bank Atlas credit card by the end of March, but no official announcement has been made.
| Category | Type | Rate | Cap | Notes |
|---|---|---|---|---|
| online_travel_booking | cashback | 5% | ₹10,000 / monthly | 5 EDGE Miles/₹100 on Travel EDGE portal bookings (shared ₹2L travel spend/month, 10,000 miles/month cap). Direct airline/hotel bookings outside Travel EDGE earn base 2 EDGE Miles/₹100 via all_spends. |
| all_spends | cashback | 2% | — | 2 EDGE Miles per ₹100 base (₹1/mile on Travel EDGE → 2% effective) |
| rent | cashback | 0% | — | No EDGE Miles on rent |
| wallet_load | cashback | 0% | — | No EDGE Miles on wallet loads |
| government | cashback | 0% | — | No EDGE Miles on government/tax payments |
| insurance | cashback | 0% | — | No EDGE Miles on insurance |
| utilities | cashback | 0% | — | No EDGE Miles on utilities/telecom |
| fuel | cashback | 0% | — | No EDGE Miles on fuel |
These categories earn zero rewards on this card. Reward score is scaled down by up to −5%, proportional to how much of the standard basket sits in the excluded categories (v4.3 formula).
1 reward point is worth different amounts depending on how you redeem — the headline reward % only holds at the best tier.
| general (miles dashboard) | 1 RP = ₹1.00 |
| travel edge portal (flights/hotels) | 1 RP = ₹1.00 |
| partner miles transfer (1:2 ratio) | 1 RP = ₹2.00 |
| group b partners (air india, flying blue, club itc, etc.) | 1 RP = ₹2.00 |
| group a partners (aeroplan, krisflyer, etihad, etc.) | 1 RP = ₹2.00 |
| radisson/orchid rewards | 1 RP = ₹1.00 |
| british airways/finnair/lotusmiles | 1 RP = ₹0.50 |
2,500 EDGE Miles on the first transaction within 37 days of card issuance
Milestone: ₹3L spend
₹2,500Earn 2,500 EDGE Miles on reaching ₹3 lakh annual eligible spends.
yearly.
Milestone: ₹7.5L spend + Gold tier
₹2,500Earn additional 2,500 EDGE Miles and upgrade to Gold tier on reaching ₹7.5 lakh annual eligible spends.
yearly.
Milestone: ₹15L spend + Platinum tier
₹5,000Earn additional 5,000 EDGE Miles and upgrade to Platinum tier on reaching ₹15 lakh annual eligible spends.
yearly.
Domestic airport lounge access
8 (Silver) / 12 (Gold) / 18 (Platinum) complimentary domestic lounge visits per year.
yearly.
International airport lounge access
4 (Silver) / 6 (Gold) / 12 (Platinum) complimentary international lounge visits per year via Priority Pass.
yearly.
1% fuel surcharge waiver
1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle.
yearly.
2,500 EDGE Miles welcome bonus
₹2,5002,500 EDGE Miles credited on first transaction within 37 days of card issuance (worth ~₹2,500 on Travel EDGE).
one time.
24x7 premium concierge
Travel, dining and lifestyle concierge services.
yearly.