Axis Bank Atlas Credit Card
Updated on August 25, 2026
🎖️Reward Rate
Rewards Earn Rate - Accelerated Rate Monthly Cap: Capped at cumulative ₹2,00,000/month on travel spend
Overview
Axis Bank Atlas Credit Card by Axis Bank provides premium value tailored for Travel Premium cardholders.
Rewards
Reward Type
Air Miles
Reward Rate
- • Rewards Earn Rate - Accelerated Rate Monthly Cap: Capped at cumulative ₹2,00,000/month on travel spend
- • miles drop to 2 EDGE Miles per ₹100 above that threshold
- • Rewards Earn Rate - Excluded Categories (Base Rate): Gold/jewellery, Rent, Wallet, Government institution, Insurance, Fuel, Utilities (7 categories, with specific MCC codes listed)
Welcome Benefit
CURRENT rate (cards issued from 20-Apr-2024 onwards): 2,500 EDGE Miles on first transaction within 37 days. (Legacy rate for cards issued 20-Dec-2022 to 19-Apr-2024 was 5,000 EDGE Miles within 30 days.)
Milestone Benefit
Gold tier requires ₹7.5 lakh annual spend; Platinum tier requires ₹15 lakh annual spend (per the Tiered Benefits page)
Redemption
A Miles Transfer Program exists (via the Axis Bank app or traveledge.axisbank.co.in) but the exact conversion ratio isn't stated on the page reviewed
Benefits
- Airport Lounge - Domestic/International Lounge — Gold & Platinum Tiers: Gold and Platinum tier value tables exist as tabs on the page but were not opened/captured
Things to Know Before you apply
Axis Bank Atlas Credit Card Eligibility Criteria
- Age: 18–70 years
- Salaried: net annual income ₹12 lakh and above; Self-employed: net annual income ₹15 lakh and above
- Salaried & Self-Employed Individuals
- Resident Indian
Axis Bank Atlas Credit Card Customer Care
- Toll Free: Axis Bank Customer Care 1800 209 5577 / 1800 103 5577 (Toll-free), 1860 419 5555 / 1860 500 5555 (per the site footer)
- Landline: +91 22 6600 6600
- Concierge Service: customer.care@bank.com
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹5,000 |
| Annual Fee | ₹5,000 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (min ₹500) |
Fee waiver: No fee-waiver clause found; the only ₹15L-linked benefits on Axis's site are the Platinum tier upgrade and milestone EDGE Miles — not a fee waiver
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
Axis Bank Atlas Credit Card issued by Axis Bank is one of India's leading credit cards for Travel Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 2 EDGE Miles per ₹100 (2 EDGE Miles per ₹100 on general retail spends (2% value back))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹5000
- • Reward exclusion on fuel purchases and wallet load transactions
Compare with Similar Cards
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- • CURRENT rate (cards issued from 20-Apr-2024 onwards): 2,500 EDGE Miles on first transaction within 37 days. (Legacy rate for cards issued 20-Dec-2022 to 19-Apr-2024 was 5,000 EDGE Miles within 30 days.)
- • On a single ₹500 transaction within 90 days of card open date, or on card-fee levy: 1 Free Night Award (valued at 15,000 points), 10 Elite Night Credits, and Silver Elite Status
- • 20,000 Reward Points on payment of Joining Fee (no stated time limit in the Benefits/Privileges tabs reviewed)
- • Complimentary membership of Air India Maharaja Club (Air India Maharaja Points)
- • Rewards Earn Rate - Accelerated Rate Monthly Cap: Capped at cumulative ₹2,00,000/month on travel spend
- • miles drop to 2 EDGE Miles per ₹100 above that threshold
- • Rewards Earn Rate - Excluded Categories (Base Rate): Gold/jewellery, Rent, Wallet, Government institution, Insurance, Fuel, Utilities (7 categories, with specific MCC codes listed)
- • 8 Marriott Bonvoy Points per ₹150 at participating hotels
- • 4 points per ₹150 on travel, dining and entertainment
- • 2 points per ₹150 on all other applicable purchases
- • Rewards — Earn Rate - Accelerated Rate — Air India Bookings: 10 Reward Points per ₹100 spent on Air India tickets booked via website, app, booking offices, or call centres (incl. Super Saver tickets for self and others)
- • Overall Rating - Reward Program Type: Reward Points, convertible 1:1 to Air India Maharaja/Flying Returns miles
- • Base Rewards: 2 EDGE Miles per ₹100 (2 EDGE Miles per ₹100 on general retail spends (2% value back))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 2 Marriott Bonvoy Points per ₹150 (2 MB Points per ₹150 on other retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 4 Reward Points per ₹100 (4 Reward Points per ₹100 on all standard retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Annual renewal fee of ₹5000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹3000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹4999
- • Reward exclusion on fuel purchases and wallet load transactions