Axis Bank Atlas Credit Card
A travel card earning EDGE Miles that Axis Bank values at ₹1 each: 5 Miles per ₹100 on airlines, hotels and Travel EDGE (on the first ₹2 lakh a month), 2 Miles per ₹100 on other eligible spends, with transfers to airline and hotel partners at 1 Mile to 2 points. Every figure below is copied from Axis Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹5,000 plus GST Product page |
|---|---|
| Annual fee | ₹5,000 plus GST Product page |
| Annual fee waiver | None on record |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3.5% of the transaction, plus GST Product page |
| No spend-based waiver of the annual fee is published. Taxes are added to all fees as per Government norms. | |
| Reward redemption fee | ₹99 plus GST Product page |
Rewards
Reward points, ₹1 each when redeemed as stated Terms.
| Spend | Earns | Cap |
|---|---|---|
| Flights and hotels booked directly with the airline or hotel, or on Axis Bank Travel EDGE (online travel agencies earn the base rate) | 5 points per ₹100 Terms | no cap on record |
| Other eligible spends | 2 points per ₹100 Terms | no cap on record |
Gold and jewellery, gift cards and tolls also earn no Miles. Redeeming Miles on the EDGE portal costs ₹99 per redemption; each transfer to a partner programme costs ₹199.
No rewards on
Benefits
- Lounges: 8 domestic airport lounge visits a year in the Silver tier (12 in Gold, 18 in Platinum), guests included; international visits are listed but Axis says that programme is under maintenance Terms
- Fuel: 1% fuel surcharge refunded on fills of ₹400 to ₹4,000, up to ₹400 a statement cycle Product page
- Welcome: 2,500 EDGE Miles (₹2,500 at ₹1 a Mile) on the first transaction within 37 days of issue; paid cards only Terms
- Milestone: 2,500 EDGE Miles on ₹3 lakh of eligible spend in a card anniversary year Terms
- Milestone: Another 2,500 EDGE Miles on ₹7.5 lakh of eligible spend in a card anniversary year Terms
- Milestone: Another 5,000 EDGE Miles on ₹15 lakh of eligible spend in a card anniversary year Terms
Also on this card
Quoted from Axis Bank; not counted in the net value.
- Transfer EDGE Miles to airline and hotel partners at 1 Mile = 2 partner points (Marriott at 2 Miles = 1 point) Terms
- Partner transfers capped at 1,50,000 EDGE Miles a calendar year Terms
- Tiers: Gold at ₹7.5 lakh and Platinum at ₹15 lakh of spend in an anniversary year, with more lounge visits Product page
- Renewal bonus of 2,500 EDGE Miles in the Gold tier or 5,000 in Platinum on paying the ₹5,000 annual fee Terms
- International lounge visits: 4 a year in Silver, 6 in Gold, 12 in Platinum (programme under maintenance) Terms
Eligibility
- Primary cardholder aged 18 or above Product page
- Primary cardholder aged 70 or below Product page
- Salaried: net annual income of ₹12 lakh or more Product page
- Self-employed: net annual income of ₹15 lakh or more Product page
- Resident of India Product page
Not published by Axis Bank in the documents read
- the card network
- a RuPay variant for UPI
- a spend-based annual fee waiver
The quotes behind the figures
37 figures, each copied from an official Axis Bank document.
Show every quote and source
“Standard joining fee ₹5,000”
“Standard annual fee (2nd year onwards) ₹5,000”
“Foreign currency transaction fee 3.50% of the transaction value”
“EDGE Miles: New Axis loyalty currency for Atlas credit cardholders 1 EDGE Mile is equal to INR 1”
“Earn 5 EDGE Miles for every Rs. 100 spent on Travel EDGE, airline and hotel merchants up to cumulative transactions of Rs. 2,00,000 per month”
“"Eligible Transactions" are the successful transactions done on the card by the cardholder for travel on Axis Bank Travel EDGE Portal, direct airline and direct hotel spends using the Axis Bank Atlas Credit Card.”
“bookings made through any travel agents, including but not limited to any private travel agents, corporate travel agents, online travel agencies or their websites/IVR systems, shall be eligible for only 2 Miles for every INR 100 spent (base earn)”
“Earn 2 EDGE Mile per INR 100 spent on cumulative transactions above Rs. 2,00,000 per month on Travel EDGE, airline and hotel merchants”
“Each tier comes with base earn of 2 EDGE Miles per ₹100 spent and accelerated earn of 5 EDGE Miles per ₹100 spent on TRAVEL EDGE portal, direct airlines and direct hotel spends.”
“2 EDGE Miles per INR 100 spent will be applicable for all transactions done on and after 20th December 2022.”
“spends done on gold/ jewellery, rent, wallet, government institution, insurance, fuel, Utilities, Telecom, Gift cards and fee related to tolls, bridges & road will be excluded from EDGE Miles earn.”
“Excluded spend categories for reward earns / spend based fee waiver: Transactions made on Gold/ Jewellery, Rent, Insurance, Wallet, Government Institutions, Utilities, Fuel.”
“ATLAS Credit 5,000 5,000 Nil”
“For all above fees and charges, taxes as per Government norms shall be applicable”
“3.50% of the transaction value for all other cards”
“EDGE Mile is a Axis Bank loyalty currency specially defined for ATLAS credit cardholder. Each EDGE Mile worth of ₹1/-”
“The international lounge program on your Axis Bank Atlas Credit Card is under maintenance.”
“The above number of visits include visits for primary cardholder and guests as well.”
“Welcome Benefit is applicable only for paid cards.”
“A fee of ₹199 will be levied for each instance of conversion/transfer of EDGE REWARD points or EDGE Miles to other miles partner loyalty programs.”
“*The above criteria are only indicative. The bank reserves the right to approve or decline applications for credit card.”
“Finance charges (retail purchases & cash) 3.75% per month (55.55% per annum)”
“Dynamic currency conversion(revised w.e.f 21st August 2026) 3.5% on International transaction performed in Indian currency at international location”
“A reward redemption fee of ₹99 will be levied for each redemption transaction of EDGE REWARD points or EDGE Miles on the EDGE portal.”
“Domestic lounges: Cardholder Tier Silver Gold Platinum No. of Visits 8 12 18”
“1% of transaction amount (Refunded for fuel transactions Between ₹400 to ₹4,000. Maximum benefits up to ₹400 per statement cycle)”
“2500 EDGE Miles shall be credited to cardholders' EDGE Miles account upon successful completion of 1 transaction on the card within 37 days from the date of card issuance”
“Spends Milestone (in INR) 3,00,000 7,50,000 15,00,000 No. of EDGE Miles 2500 Additional 2500 Additional 5000”
“1 EDGE Mile = 2 Partner Points*”
“Total EDGE MILES that can be transferred to Partner Points in a calendar year is capped to 1,50,000 EDGE MILES per customer ID.”
“In an anniversary year, when you hit ₹7.5 lakh of spends, you get upgraded the gold tier and when you spend beyond ₹15 lakh, you get upgraded to the platinum tier.”
“EDGE Miles shall be credited to cardholders' EDGE miles account upon successful payment of the card annual fee of INR 5000 + GST. EDGE Miles credit shall be as per the following- Cardholder Tier Silver Gold Platinum No. of EDGE Miles - 2500 5000”
“International lounges: Cardholder Tier Silver Gold Platinum No. of Visits 4 6 12”
“Primary cardholder should be between the age of 18-70 years”
“Salaried : Net annual income of ₹12 lakh and above”
“Self employed : Net annual income of ₹15 lakh and above Resident of India”
“Enjoy exclusive travel benefits and much more. apply now”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with Axis Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is Axis Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology