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Axis Bank
Axis Atlas Credit Card
4.4Best for travel
PremiumLounge access
- Joining fee
- ₹5,000
- Annual fee
- ₹5,000
- Welcome bonus
- ₹2,000
- Forex markup
- 3.5%
- Interest p.a.
- 55.55%
- Min income
- ₹12,00,000/mo
How this card earns
Reward rates by category, with caps and an estimated yearly value.
| Spend category | Reward rate | Monthly cap | Est. value/yr |
|---|---|---|---|
Travel 5 EDGE Miles per Rs.100 on travel (direct airline/hotel bookings & TravelEdge portal), capped at Rs.2,00,000 spend/month. Valued at ~Re.0.80/Mile (1 EDGE Mile transfers ~1:2 to airline/hotel partners), so ~4% effective value-back. Excludes gold/jewellery, rent, wallet, govt, insurance, fuel, utilities. | 4% | ₹2,00,000 | ₹4,800 |
Everything else 2 EDGE Miles per Rs.100 on general spends, valued at ~Re.0.80/Mile = ~1.6% effective value-back. EDGE Miles transfer ~1:2 to partners; rupee value depends on redemption. | 1.6% | — | ₹1,920 |
| All other spends | 1.6% | — | ₹1,920 |
Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.
Fees & charges
Joining fee₹5,000
Annual fee₹5,000
Foreign currency markup3.5%
Finance charge (p.a.)55.55%
Spend milestones
| Annual spend | Benefit | Value |
|---|---|---|
| ₹3,00,000 | Annual milestone: 2,500 bonus EDGE Miles on reaching Rs.3,00,000 annual spend (Silver tier) | ₹2,000 |
| ₹7,50,000 | Annual milestone: additional 2,500 bonus EDGE Miles on reaching Rs.7,50,000 annual spend (Gold tier, cumulative 5,000) | ₹2,000 |
| ₹15,00,000 | Annual milestone: additional 5,000 bonus EDGE Miles on reaching Rs.15,00,000 annual spend (Platinum tier, cumulative 10,000) | ₹4,000 |
Key benefits
- Airport lounge access, 4/year international (Visits scale by tier (Silver/Gold/Platinum). Silver: 8 domestic + 4 international per year; Gold: 12 domestic + 6 international; Platinum: 18 domestic + 12 international. Tier set by annual spend.)
- 5 EDGE Miles per Rs.100 on travel (direct airline/hotel & TravelEdge portal), 2 EDGE Miles per Rs.100 on other spends
- Tier-based domestic & international lounge access (Silver/Gold/Platinum)
- EDGE Miles transferable to airline/hotel partners (approx 1:2 ratio)
- Comprehensive travel insurance
- Annual fee not waivable by spend
What we like
- +Strong travel earn rate (5 EDGE Miles/Rs.100)
- +EDGE Miles transfer to airline/hotel partners
- +Tier-based lounge access scaling with spend
What to watch
- −High annual fee with no spend-based waiver
- −EDGE Mile value depends on partner transfer/redemption
- −Many categories excluded from accelerated earning
Compare with similar cards
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- 3%
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