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Verified by CardAgent admin · last checked 08 Jul 2026
Axis Bank

Axis Bank Atlas Credit Card

52
Ranked #25 of 170 in credit
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Axis Bank's dedicated travel-miles card with tier-based lounge access and milestone bonuses, offering strong airline/hotel transfer partner value for frequent travellers willing to navigate its tier system.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value44/100 · weight 71%
≈ 2.27% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
No rewards on: rent, fuel, insurance. Reward score is scaled by ×(1 − 3.6%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency63/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks64/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹5,000 + 18% GST
= ₹5,900 total
Annual fee
₹5,000 + 18% GST
= ₹5,900 / year total
Waiver: No standard spend-based waiver; renewal fee bundled with EDGE Miles credit
Forex markup
3.5%

Lounge access

Domestic (per year)
8
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
online_travel_bookingcashback5%₹10,000 / monthly5 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_spendsmiles2.00%(2 mi @ ₹1.00)—2 EDGE Miles per Rs 100 on non-travel spends; 1 EDGE Mile = Re 1 via Travel EDGE portal
wallet_loadcashback0%—No EDGE Miles on wallet loads
governmentcashback0%—No EDGE Miles on government/tax payments
insurancecashback0%—No EDGE Miles on insurance
utilitiescashback0%—No EDGE Miles on utilities/telecom
fuelmiles0.00%(0 mi @ ₹1.00)—No EDGE Miles on fuel, utilities, insurance, rent, gold/jewellery
rentcashback0%—No EDGE Miles on rent

No rewards on

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).

FuelRentWallet loadsGovernment/tax paymentsInsuranceGold & jewelleryUtilitiesTelecomEMI-converted transactionsCash advancesFees & interestReversals

Welcome offer

2,500 EDGE Miles on first transaction within 37 days (cards sourced after April 20, 2024)

Milestone benefits

Pros

  • Dedicated EDGE Miles travel currency
  • 5 miles/Rs 100 on Travel EDGE/airline/hotel spends (up to Rs 2L/month)
  • strong airline/hotel transfer partner list (KrisFlyer, Air India Maharaja Club, Accor)
  • tier system rewards loyalty

Cons

  • High 3.5% forex markup
  • base rate only 2 miles/Rs 100 outside travel category
  • many categories excluded from milestone/tier calculation (gold, rent, wallet, government, insurance, fuel, utilities)
  • complex tier system
  • April 2024 devaluation removed concierge and Meet & Assist services

What's inside

More benefits

  • 2,500 EDGE Miles welcome bonus

    ₹2,500

    2,500 EDGE Miles credited on first transaction within 37 days of card issuance (worth ~₹2,500 on Travel EDGE).

    one time.

  • Milestone: ₹3L spend

    ₹2,500

    Earn 2,500 EDGE Miles on reaching ₹3 lakh annual eligible spends.

    yearly.

  • Milestone: ₹7.5L spend + Gold tier

    ₹2,500

    Earn additional 2,500 EDGE Miles and upgrade to Gold tier on reaching ₹7.5 lakh annual eligible spends.

    yearly.

  • Milestone: ₹15L spend + Platinum tier

    ₹5,000

    Earn 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.

  • 24x7 premium concierge

    Travel, dining and lifestyle concierge services.

    yearly.

  • 1% fuel surcharge waiver

    1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle.

    yearly.

  • EazyDiner dining discount

    ₹800

    25% off up to Rs 800 at partner restaurants via EazyDiner

    Cap ₹19,200 / monthly. Valid twice/month, min order value Rs 2,500

  • Anniversary bonus miles

    ₹5,000

    Up to 5,000 EDGE Miles on completion of a card anniversary year

    Cap ₹5,000 / yearly. Credited upon successful renewal fee payment

Insurance cover

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Eligibility

text
Age 18-70; salaried min income Rs 12 lakh/annum, self-employed min Rs 15 lakh/annum

Small print

Redemption fee
₹99 / redemption
Fuel surcharge:1% fuel surcharge waiver, standard Axis terms